BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Fair Financial Corp.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
So I had a weekly lease for the vehicle to drive for work from Fair. I had the vehicle for almost 2 years maintaining the {$200.00} a week with no problem. On a day a payment was due to be taken out it didn't come out of my bank account. I called the company and they told me my account was in good standing and that they would have all the problems fixed. Then the corona virus hit and I wasn't working as much, and they still weren't taking money out of my account weekly and there was no way on the app to pay for the vehicle. I then returned the vehicle since I wasn't driving for work because of covid. They started calling me at about a few months of not taking a payment telling me I needed to pay about {$2500.00} and asking me how I would like to pay this. I continually asked them to please send me a bill so I could work things out with them. They assured me they would. But then started calling me every single day up to 10 times a day. I had to block them because it was a nuisance, all hours of the day, weekends, holidays, from different numbers. I never got a detailed bill on how I could even begin to make payments or anything. They call me and tell me the same exact thing, and I just stopped answering because nothing is being done. It's becoming harassing and I don't answer the phone to any numbers I don't know now. I'm not even sure of exactly what I owe them because I never got a detailed bill. It seems different every time they called and I talked to someone. The calls seem to be threatening, and I've even ended up in tears and getting upset when I did talk to them. So I stopped answering and I never got a bill in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I'm trying to link my account with XXXX which is a savings/budget app on my phone and its saying it can't link and that's there's a connection issue. PNC isn't even listed as an option to choose from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: AMA Advisors, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Homebridge Financial Services did not pay my home insurance payments, even though they are legally required by FHA regulations. I first called them in XX/XX/XXXXand asked why my home owners insurance had not been paid, they told me that I didn't have an escrow account to insurance, even though its a legal requirement of a FHA loan, they even told my insurance company that the payment was not escrowed as well. After Homebridge corrected the original issue of not paying insurance, they got a hold of my provider, and mailed a check. apparently the check was not received or refused. Instead of notify me, they did nothing, allowing my insurance to lapse. Homebridge then sent me a fine for the lapse of coverage, which they are the cause of.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent disputes letters because there was inaccurate information on my credit report. its been more then 45 days with no response no nothing. I have sent multiple letters in regards to my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: TRANSWORLD SYSTEMS INC
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Every time I make payments I can afford, the debt collector agency is changed. The current owner has made no attempts in contacting via mail in attempts to make a payment plan but continues to report unpaid interest to the credit bureaus at a rate that im not aware of. Company make objective is to get the balance high enough via unfair interest charges to make a profit. The original balance continues to show up as charge off and now the reporting balance is thousands of dollars above that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: ENCORE CAPITAL GROUP INC.
State: TN
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:
I have reached out to this company several times via mail about VALIDATING this alleged account they claim belongs to me. I have received no response. I also called and they want me to give them my personal information just to inquire about an account they have listed on my credit report. I would like this account removed ASAP. I am needing to purchase a home for my children and myself and this account is holding me back. According to the law anything that is reported must be 100 % accurate and I have yet to receive anything bearing my signature in agreeance with this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Conn's, 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:
I am a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: WELLS FARGO & COMPANY
State: IL
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 am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

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 2021-07-07
Company: Synovus Bank
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 information incorrect

Complaint:
I contacted first progress to remove the erroneous information in XXXX of 2020. 
I disputed the inaccurate information, however the disputes came back verified, without sending me the information used to validate the accounts, against FCRA statutes. 
I furnished copies of all 3 credit reports, showing the variations of misinformation. 
On XXXX XXXX, the information came back as valid again. 

In XXXX, I contacted the better business bureaus, and was told first progress would update the account. 
as of this point in time, First progress is still reporting inaccurate and erroneous information. 

The items I cited as being violations of the FCRA were posting the high balance being higher than the collections rep had me pay, no date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), the fact that I had previously disputed with the CRA and they returned incorrect information FCRA 623 ( a ) ( 2 ) ( B ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and told them they would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if they continued to report any information at all to the CRA. I also let them know there are 0 sections in the FCRA that require them to report anything at all, and 0 sections that prohibit deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Remove the inaccurate account immediately I have been presenting so many physical proof To Equifax and always, always Equifax reported Acceptance now as verified accurate My question is now if the contract or agreement doesnt match with any credit reporting agency From where Equifax gets this verified accurate report 1 the agreement from acceptance now doesnt have my signature 2 the agreement from acceptance now only have the signature of employees 3 this is illegal 4 Equifax keep reporting this illegal agreement as verified and accurate violating my rights with this unfair act I want to hear what Equifax will say in court to a judge This will be the easiest law sue I will win

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Exeter Finance Corp.
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:
Exeter XXXX has been changing account payment history information for the worst since XX/XX/XXXX. They have reported XXXX days late, XXXX days late, and XXXX days late twice on my credit reports since account closure sending my credit score plummeting to the low XXXX from a XXXX, usual credit score. This account has been closed and paid-off since XX/XX/XXXX for the full amount by my insurance carrier, XXXX XXXX XXXX. Account due date they said was on the XXXX of every month.Not even XXXX days after account closure a XXXX days late, XXXX days, and XXXX days late payment in account history has been noted on my account as well as a charge-off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I must thank you for what you are doing. The thing is that I was asked to take a XXXX ( XXXX XXXX  ) to start with my activities in my school. I went to the XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. I showed them the XXXX ID of the insurances ( XXXX, XXXX and XXXX XXXX ) and the " nurse '' told me I didnt need to pay for anything. Then, they asked me to come back on XX/XX/2019 to check my arm. I showed the insurance ID cards once more and the person who saw my arm said I didnt need to pay for anything either. Now, I received a letter saying I need to pay XXXX {$44.00} for them. Im NOT going to pay for anything because after explaining lots of times what happened to the company which brought me as XXXX ( international teacher ) te situation, they told me to contact one of my insurance company whose name is XXXX. The person from XXXX said to me that I needed to ask XXXX XXXX to submit the claim to XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX ). I sent an email to XXXX XXXX on XX/XX/XXXX letting them know how they can submit the claim to XXXX but I keep having this debt. In fact, I have been receiving letters from XXXX XXXX XXXX XXXX telling me about consequences if I dont pay the debt. I feel intimidated and harassed by both XXXX of South Carolina and XXXX XXXX XXXX. When trying to call the XXXX XXXX of South Carolina, you can use more than XXXX minutes of the phone without any answer. They do not take calls. Abusive people!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
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:
I have disputed errors on my EXPERIAN credit report for over a year. Each time either nothing happens or small details are changed. Experian has inaccurate information reporting on an account from XXXX XXXX XXXX. This account was allegedly CHARGED OFF in XX/XX/XXXX with a balance of XXXX. In a recent copy of my credit report I noticed that the account balanced had change to XXXX in XX/XX/XXXX. 

I disputed this information recently for 6 months straight and have notice the amount jump back and forth from XXXX to XXXX. 
On the updated copy of credit report that I received XX/XX/XXXX the account balance shows XXXX and in another section for XX/XX/XXXX it shows XXXX. 

There is no way I am acquiring new fees to an account that was charged off in XX/XX/XXXX so, the account balance should not be constantly changing. I have disputed for over a year. I have asked for the method of validation for these amounts and they have yet to produce this information. Instead they continue to supply false information on my credit report. 

This inaccurate information that they refuse to fix has indefinitely harmed me for years. I want this account deleted immediately from my Experian credit report. I would also like this defaming account to be removed from my XXXX  & XXXX  reports please.

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 2022-11-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account 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 2022-07-16
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX  XXXX XXXX  XXXX XXXX TX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance : {$92.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an email from XXXX  about a new collections added to my credit report. It is for {$140.00} medical bill. I never received any communication regarding someone claiming of money owed. I am Not responsible for any medical bills. I am on XXXX and XXXX and all my bills are paid by either the federal government, or the state of Michigan. I am on federal XXXX. I want the this company to fix what theyve done to my credit report for a debt I do not owe. The company name is Congress Collections and the collections notice on my credit report lists No company the original debt supposedly came from. I called today and they cant tell me where it came from. A dont know if its from a hospital, a doctors office, nothing. Other than my name they dont even have an address for me. This is not right. I want this company to fix the mess they made by reporting me THREE times to the credit bureaus, for the Same debt. I owe Nothing.

( I wish I had documents to upload but seeing as Ive never received communication from either a doctor, hospital, or Congress Collections. I have nothing to upload ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a XXXX XXXX XXXX financed by Capital One Auto on XX/XX/XXXX. I fell behind on payments and the car was repossessed on XX/XX/XXXX. I was sued by Capital One Auto IN THE MAGISTRATE COURT OF XXXX XXXX STATE OF GEORGIA Garnishment Case # XXXX. The Honorable XXXX XXXX XXXX, XXXX of said Court ruled in order of the Plaintiff for me to pay {$5900.00} on the XXXX day of XXXX, XXXX. I completed my last payment to Capital One Auto through garnishments from my paychecks at XXXX XXXX. XXXX sent 25 % of my check to Capital One Auto. The last payment sent to Capital One Auto was in the amount of {$1600.00} on XX/XX/XXXX. I received a Release of Garnishment from the XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX on XX/XX/XXXX. If you go to https : XXXX and click on Smart Search then put in XXXX the case information will come up as public knowledge. I have sent Capital One Auto certified letters trying to get this resolved and they claim that their reporting is accurate. They are reporting to the Credit Report now and even through Covid where I was out of work for 3 months that the balance is charged off and that I still owe the balance. Capital One Auto sent me a collection letter on XX/XX/XXXX in the amount of {$4700.00}. I currently have XXXX XXXX XXXX trying to get the matter rectified with the Credit Bureaus but I was advised that there was nothing I could do against the bank itself and that I should file a complaint against them here. I received a document from the president 's office of Capital One Auto, XXXX XXXX XXXX, stating that they would never sue me for the balance in response to my complaint. This letter came after I had already been sued and after I've already paid my debt back to them. Every claim and document can be furnished upon request. 

Please help me, XXXX XXXX

Company response to consumer: Closed with explanation