BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$450.00} XXXX/XXXX   XXXX {$3200.00} XXXX XXXX {$4300.00} XXXX XXXX XXXX {$120000.00} CHAPTERXXXX  BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTERXXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2019-04-03
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection notice from Sunrise Credit Services ( XXXX ) for XXXX Accout # : XXXX collecting debt for XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for the amount of {$260.00}. 

I dispute this debt, I dispute any amounts owing to XXXX XXXXXXXX XXXX  XXXX. I have not used their services nor engaged in the services or business. I do not owe money to Sunrise Credit or XXXX as I have not used either business. 

Please void this claim as it is not valid nor was any proof provided by either Sunrise Credit Services or XXXX XXXX XXXX evidencing this false claim. 

Sunrise did not substantiate this claim nor did they provide any written proof. 

Further, when I called Sunrise Credit XX/XX/XXXX at XXXX to dispute this a Sunrise Credit Services representative asked me to verify a XXXX telephone number which is not mine and proves you have the wrong person for this debt.

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 2018-10-08
Company: DISCOVER BANK
State: PR
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: Card was charged for something you did not purchase with the card

Complaint:
what happen was trusted someone with a lot money in exchange for them to pay me back with in couple months but they never did

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
Company: EQUIFAX, INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
Did dispute with XXXX  and Equifax on XX/XX/XXXX requesting that my current mortgage show as current mortgage since XXXX to present and that my payments and on time at that show on report. As of now it shows the mortgage was closed and XXXX balance which isnt correct. On XX/XX/XXXX both companies reported on my report a new bankruptcy found on XX/XX/XXXX and that my mortgage was included in my XXXX bankruptcy which is not true! I have now today filed another dispute asking a 2nd bankruptcy found yesterday to be removed. So not only did my original dispute not get fixed but the credit agencies both made it worst by adding false info and not fixing the initial issue. Also everyone Ive spoken with for both agencies having called over 15 times Have English as their second language even both supervisors I spoke with making it very difficult to have a meaningful understanding in solving a dispute. Do Americans not get job offers from the agencies who hold our credit worthiness in their hands? This is simply not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
As of XX/XX/2020 my banking express account has been frozen and a hold of $ XXXX was subsequently posted to my account. When I spoke with the first customer service rep XXXX I was told that the fraud of alert needed to escalated to someone else, her name was XXXX. XXXX verified all of my necessary credentials only to tell me that someone would be in contact with me regarding my case. No explanation or rational was rendered for the hold on my account or as to why I needed to be investigated. I promptly asked for a supervisor and was told none were available. Neither XXXX supervisor nor her supervisors supervisor was available. I left a voicemail with the number I was given to call. No one returned my call. I subsequently called the bank back again, this time speaking to a XXXX whom after again verifying my information placed me on a hold and then hung up on me. I called back again and this time I spoke with a XXXX who informed me that an investigator had been assigned to my case and I was given her number. I was transferred to the investigators line. She did not answer. I left a voicemail. No call was returned. I have since called the bank several more times including the emergency hotline number that I got from XXXX  ( the investigator ) voicemail box. When I tried that line, three times I was redirected to the disputes department and which was the in correct department. Only after I called a fourth time did the operator tell me that she has been directed to tell me that my investigator will get in contact with me because as it stands it is after hours. Meanwhile my entire livelihood has been placed on hold. Keep in mind the funds in question were submitted to my account by the federal government and by a state government facility as well. None of the funds in question were submitted by personal check or a check period. Nor was this an atm deposit. Both transactions were electronic and clearly labeled appropriately for each respective entity that made said deposit. I currently hold in my possession all verifying paperwork as proof of these funds and where they come from. However, I have cause to believe that because this is atypical behavior that this treatment is discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: EQUIFAX, INC.
State: NM
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 and Equifax are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: I.C. System, 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: Old information reappears or never goes away

Complaint:
XXXX and I C System Inc are participating in deceptive collection tactics by re-aging a collection account with no proof of debt.

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 2019-04-03
Company: JPMORGAN CHASE & CO.
State: AR
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 XXXX of XXXX Chase sold my mortgage to XXXX. Chase reported the status as a transfer. I attempted to dispute this status in XX/XX/XXXX. Chase received payment of the loan on my behalf, it was paid in full. The status as transfer to other office has negatively impacted my score from high 600 range down to high 500 range. Chase did not disclose during the initial contract that they may sale my loan and it result in a negative impact to my credit score. Chase is discriminating based on another entity paying the loan. IF I had directly paid the loan off, Chase representative explains that the status would be reported as Paid. The loan was in fact paid off by XXXX to Chase. At this point I have not been able to receive credit because I show as a high risk because other entities can not tell where Chase transferred the loan to as the status states transferred to another office. The loan was not transferred to another office, but paid by another entity on my behalf. In XX/XX/XXXX I paid the loan off with XXXX, but still Chase shows as transferred to another office, and my report continues to be impacted by the creditor Chase not reporting accurate information. I have suffered great loss in providing for my family as I have been denied loans based on the misleading and inaccurate credit reporting by Chase and their failure to inform me of these foreseeable challenges with their practice prior to obtaining my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The following accounts and credit inquiries listed on my XXXX XXXX and Experian credit report is fraudulent, unauthorized, not mine and dont belong to me : The XXXX XXXX XXXX, XX/XX/XXXX, {$360.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/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 non-monetary relief
Consumer complaint received 2020-01-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
This account was opened fraudulently I have reached out directly to XXXX and was told on XX/XX/XXXX XXXX they responded back to credit bureaus to stop reporting this account but it is still negatively reporting on my report which is preventing me from being approved for different services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i have been dealing with bank america despute resolution services located at XXXX  arizona everything came from them and never was this persons at bank america ncXXXX XXXX XXXX XXXX XXXX XXXX, nc XXXX never were involved at all. letters dated XX/XX/XXXX from them state on XX/XX/XXXX the desicion was made and approved the claim. letter dated XX/XX/XXXX stated that the debit card ending on XXXX was closed and that th eaccount ending on XXXX was closed on XX/XX/XXXX. now here is the mistake or lies they have made. they stated that the withdrawls on XX/XX/XXXX of {$600.00} and the other s on XX/XX/XXXX for {$2100.00} and {$1.00} the stated they confirmed that my drivers license was used and as identification that a debit card ending on XXXX was used as identification for the transactions. 
NOW I RECIEVED THE FRAUD STATEMENT ON XX/XX/XXXX AND FILLED IT AND SIGNED IT ON XX/XX/XXXX - THANK XXXX I FOUND THE COPY I HAVE ATTACHED IT I EXPLAINED THAT WHOM EVER DID ALLTHIS FRAUDS WAS THE SAME PERSON WHO MADE THE WITHDRAWLS ON XX/XX/XXXX AND XX/XX/XXXX. THE SIGNED FRAUD STATEMENT I SENT ONXX/XX/XXXX AD FAXED AS WELL ALONG WITH OTHER INFORMATION WAS THE RESULT OF THE DECISION THAT WAS MADE ON XX/XX/XXXX BUT THEY NEVER BOTHER WITH THE OTHER FRAUD THAT TOOK PLACE. 
NOW I HAVE CALLED THE ATM/DEBIT CARD OPERATIONS XXXX AND THERE WAS NEVER A DEBIT CARD ENDING ON XXXX ISSUED AT A NO INFORMATION WHATSOEVER. I ALSO CONTACTED THE DESPUTE RESOLUTION IN ARIZONA AND THEY FOUND NO DEBIT CARD ISSUED ON XXXX AT ALL. 
NOW I SEND COPY OF THE STATEMENT SHOWING THE WITHDRAWLS AND HERE IS THE MISTAKE OR LIES THE STATEMENT ON SHOWS THE GA TLR CASH WITHDRAWL FROM CHKING XXXX AND NO BANKIG CENTER # AND NO CONFIRMATION NUMBER AND THAT IS THE FRAUD THAT TOOK PLACE BY THE SAME PERSONS OR BANK PERSONNEL. 
NOW I WENT TO THE BANK AND WITHDREW {$200.00} YESTERDAYXX/XX/XXXX AND GUESS WHAT IT SHOWS TYPE : DEBIT CASH WITHDRAW AT BANKING CENTER # AS WELL AS CONFIRMATION # AND THAT IS MY PROOF THAT WHAT TOOK PLACE WAS PART OF ALL THE FRAUDS IDENTITY THEFT THAT TOOK PLACE. 
I HAVE SENT COPIES OF EVERYTHING ALL LETTERS FROM ARIZONA FRAUD AS WELLS AS FRAUD CLAIMS AS WELL AS ATM/DEBIT OPERATIONS.AND A COPY OF THE FRAUD STATEMENT WITH MY SIGNATURE AND EXPLANATIONS INCLUDING THE POLICE DETECTIVE NAME DATE REPORT # PHONE AND BADGE AS WELL AND I ALSO HAD FAX IT TO AS WELL 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 2019-04-03
Company: Allied Collection Services, Inc. (Nevada)
State: NV
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:
BACK IN XX/XX/XXXX OR XX/XX/XXXX I WAS A VICTIM OF A ROBBERY I WAS BEATEN AND ROBBED AND MY XXXX  WAS BROKEN. I WENT TO DR.XXXX XXXX BECAUSE MY XXXX WAS BROKEN. IN THE PROCESS I WENT ANDAPPLIED FOR MEDICAID, I ADVISED THE STAFF AT THE DR. OFFICE THAT I HAD NEVADA MEDICAID. THE MEDICAID WAS NEVER FILED BY DR. XXXX OFFICE AND AND THEY SENT ME A BILL. MEDICAID ADVISED THEY COULD HAVE FILED RETRO BACK PAY FOR SERVICES RENDERED I CALLED DR XXXX XXXX OFFICE AND WAS TOLD I WAS IN COLLECTIONS. I AM DISPUTING THIS DEBT AND WANT IT REMOVED FROM ALL 3 CREDIT REPORTS. ASAP. ALLIED COLLECTIONS AGENCY NOW HAS THE ACCOUNT IN COLLECTIONS. PLEASE REMOVE FROM MY CREDIT FILE ALL 3

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 2018-10-08
Company: ENCORE CAPITAL GROUP 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: Information belongs to someone else

Complaint:
This is not my debt, I've never opened a credit card with this company. It appears on my credit report I've disputed it several times and it has not been removed. I did not enter into a contract with this business. My credit report states the account was open in XX/XX/2017. It says I owe {$780.00}, I've disputed this account numerous times with transunion it has not been removed. The company that brought the debt and have falsely attached this debt to my credit report is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX/XXXX/XXXX, before my incident with Chase bank, my husband realized that we had been hacked somehow. Someone opened an XXXX charge in his name. They charged {$1.00}, then {$100.00} and got away with it. They were trying to charge another {$2600.00} when I received a call from XXXX asking me if I authorized this charge. I did not and working with my husband XXXX helped him clear everything up. Because of this I proceeded to call all of my credit card companies as well as my bank, Chase. I personally spoke to all representatives and let them know what happened and to place all my accounts on high Fraud Alert, personal and business. On Saturday XXXX/XXXX/XXXX I received a txt from Chase asking me if I authorized a transfer of {$4800.00}. It gave no account information, no information as to who the money was to be transferred to, nor a phone number to call if I needed help or thought this was an emergency. It simply stated to txt back 1 for yes and 2 for no. As soon as I saw the message I promptly txted back 2 for no. Since it was later in the day/after banking hours and tomorrow was a Sunday and I was traveling in Wisconsin at the time I had to wait till Monday to check my accounts. Since I had called everyone and spoke to them personally as well as txting back 2 for no, I felt that I was safe and protected. I was given no further instructions from Chase with the original txt nor received any other txt messages concerning this. On Monday morning XXXX/XXXX/XXXX I opened one of my chase accounts and saw that in fact Chase had transferred with XXXX Quick pay the {$4800.00}. NOTE : I did not have XXXX Quick Pay set up on my account. It stated that Chase transferred {$4800.00} to a XXXX XXXX. As well, at the same time someone by the name of XXXX XXXX was asking Chase to transfer another {$4800.00} via XXXX Quick Pay to them via another Business account I have with Chase. They did not let that go through, I did not receive a txt about that, the transfer was blocked by Chase and was cancelled on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX Chase has not refunded my money to me. I have filed a police report with the XXXX Police Department, a fraud report with Chase, an FBI report and now a report with you, the CFPB. According to Chase they have it being reviewed with their Fraud Department, expedited. Again, as of XXXX/XXXX/XXXX I have not received my funds back. I would like to stress that I did everything possible to let Chase know we were having problems. I personally spoke to a representative at my branch to let them know. I did not have XXXX Quick pay on my account nor do I have a history of using XXXX XXXX Pay with that account. And most importantly I txted back 2 for no. Again, given no further instructions from Chase I thought I was protected. Chase appears to be making no efforts to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX has been reporting inaccurate information for close to two years. After disputing 2 years of payment history with XXXX, XXXX and XXXX nothing has been resolved. XXXX has violated my rights of the FCRA many many times and the credit bureaus are failing me as a consumer to enforce this company to report accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX has been reporting inaccurate information for close to two years. After disputing 2 years of payment history with XXXX, Transunion and XXXX nothing has been resolved. XXXX has violated my rights of the FCRA many many times and the credit bureaus are failing me as a consumer to enforce this company to report accurately.

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