BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have NEVER heard of this company. I have NEVER had any relationship with them. I do not owe them anything. I have always had insurance and never received a bill of any type. I want this to be removed As soon as possible. I have requested documentation and nothing was received. This is unacceptable and need to be removed IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Midwest Recovery Systems
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 recently started monitoring my credit report more closely using XXXX XXXX. On XX/XX/XXXX I noticed a collection on my XXXX report from a Company called " Midwest Recovery Systems, LLC '' for {$850.00} for a payday loan that was open XX/XX/XXXX. The original creditor 's name is " XXXX XXXX XXXX ''. On XX/XX/XXXX, I sent a certified letter to XXXX disputing this fraudulent account/collection. My dispute letter was received on XX/XX/XXXX. Today, XX/XX/XXXX marks my 30 day mark of waiting. I am currently waiting for XXXX to respond via mail. I have never applied for a payday loan. I have never heard of either company, as well. I was unemployed throughout the entire year of XXXX. I did not have a bank account either. This is a fraudulent collection on my account from a bogus company that stole my identity. Currently ( XX/XX/XXXX ), my XXXX report states that this collection is being disputed, but that is still not good enough for me. I decided to file a dispute with the CFPB, after reading many reviews of people filing a dispute with XXXX and still not getting a resolution. I have read thousands of reviews of other consumers stating that " Midwest Recovery Systems, LLC '' did the same to them. How is this company still able to do this without legal ramifications? I am ready to send a legal notice to Midwest Recovery Systems, LLC with the intention to sue, if this fraudulent collection is not removed from my account. I have never received a single communication from this company saying that I owe them, or that the collection was going on my credit report, which they have to give me a 30 days notice before that is done so I can dispute. They did not do this, because the company is practicing illegal credit reporting. So many laws have been broken. This is beyond criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: EQUIFAX, 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:
I reached out to Equifax to have this issue solved but they declined to help me. I told them I was a victim of an inquiry issue that they had and they told me I was not a victim but I knew I was because of my credit report. Fraudulent activity had taken place on my report. I place a fraud alert because of this. The following inquiries on my account do not belong to me. 

XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXXXX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX I also have a company reporting on my credit report but it does not belong to me. 

XXXX XXXX from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The bank close my account because they say I was laundry money but that was not true bacause my atm was robbed

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 2019-11-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was looking online to purchase a XXXX puppy. On XXXX, a listing came up entitled, " Teacup XXXX  Puppies For Sale - Home XXXX. '' I went to the site and it led me to their XXXX page which displayed puppies being purchased and shipped around the United States. I began a conversation with them ( through Messenger ) and they sent me three photos of 3 different puppies available to purchase. I picked one and asked about shipping the dog to me and she said as soon as I paid they would forward me the tracking information. They provided me their XXXX email and I forwarded {$620.00} to them. I did not hear back anything for several hours ... so I immediately contacted USAA bank to file a dispute and see if they could reverse the money sent. 

I have filed a Complaints with the Internet Crime Center, the FTC, and XXXX. 

I contacted my bank, USAA, on numerous occasions and no one ever contacted me, despite being told several times that someone would call me to discuss this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Big Picture Loans, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I went to Bigpictureloans.com after weeks of getting harassing phone calls because my loan payment dates was changed after I signed the contract and agreed to a Settlement of the amount I borrowed ( {$800.00} ), they also agreed. 
I agreed to pay {$400.00} on XX/XX/XXXX and {$400.00} on XX/XX/XXXX in which I did and did not miss a single payment. After that I get a letter saying that I still owe {$310.00}. I called and talked with a representative that was unfriendly and didn't want to hear anything I had to say and kept saying that it was not a settlement but just an agreement that I went online and set up myself and it was just a payment plan. I asked to speak to a supervisor but the same lady I was talking to put me on hold then pretended like she was the supervisor so I knew something was wrong so I ended the call. I sent an e-mail to XXXX on XX/XX/XXXX and told them what happened and provided a copy of the paperwork that says Payment Settlement Plan and the support team said the same thing.I did some research and found out they are not licensed to buisness in the State of Washington in which I reside.In the e-mail they want me to agree to a Settlement Plan to pay the interest " We have processed those payments, but the remaining {$310.00} is still outstanding. In an effort to help you in this time of need, we will agree to settle your account for the amount and payment schedule below. 
This will prevent your loan from accruing additional interest..Settlement Offer-Number of settlement payments : 2-Settlement Payment Schedule : Date Payment Amt XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} Payment Type : ACH Isn't that ironic, they didn't honor the 1st Settlement now they are trying to offer me another one for the Interest that I supposedly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: 1st Franklin Financial Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty days and I haven't received any investigation results.

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 2021-08-07
Company: Professional Recovery Management
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 do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Old Ambulance bill from XXXX that was never ordered. 
Disputed years ago and was taken off credit report. 
Got a strange call : Is this my name. Responded who is this? Hung up. 
XXXX XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: ALLY FINANCIAL INC.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My husband had lost his job and then we had a death in the family. We try to get then to work with us but no.

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 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my THIRD TIME notifying yall about these fraudulent acounts on my credit. The FIRST time i was accused of using a credit repair company. I cant even afford a credit repair service. I was accused of using credit repair the SECOND time, now the THIRD time yall said these are my accounts. HOW could these be my acounts when i have NEVER benefited from. I am victim of identiyy theft and i feel like im being further victimized by being accused of actually owning these accounts. I really dont know what yall want me to do, the only logical thing would be a law suit..I was XXXX, my info was stolen.

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: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2021 - Recieved a debit, credit card in mail from Chime, plus multiple emails welcoming me to my new account. I have repeatedly called and can not get through, have been hung up on, tried over 15 times to call to report fraud. Finally got ahold of someone and then Received email that the only way to close account is to send my drivers license photo- front and back. I am a victim of fraud and will not send more personally identifiable information, especially not through email. Reported to Sheriff and they advised the same. Filing a police report. So far, no one at Chime is bothering to help with fraudulent account. Very, very upsetting. The phone number on their website is XXXX but it is impossible to get ahold of some there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
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:
XX/XX/XXXX, I sent a dispute notifying Experian that XXXX XXXX XXXX AND XXXX was reporting reporting inaccurate and incomplete information : Date of First delinquency is incomplete ( Missing ), Date Closed is incomplete ( Missing ), Date of last payment is incomplete ( Missing ) and the balance is incorrect. Experian failed to modify or delete the account. XX/XX/XXXX, after receiving Experian outcome I resent a letter for reinvestigation informing Experian that the account is still reporting incomplete and inaccurate information ; therefore, the account must be deleted. I received a recent report ( XXXX ) that not only still reports the account with all the inaccurate and incomplete information, but has added more inaccurate information to the report. Status field is inaccurate because it shows a Charged off ( written off ) amount of {$2800.00}, but a past due amount of {$1900.00}. If all that is owed or past due is {$1900.00} then now could {$2800.00} be written off if that is not what is owed. Now we have incomplete Date of First delinquency, incomplete date closed, incomplete date of last payment, inaccurate balance, and inaccurate status. Also, the recent investigation shows that the date opened is XX/XX/XXXX, but the date first reported is XX/XX/XXXX. How could that be. How could you report an account before it was ever opened? 1681i ( a ) ( 5 ) ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation XXXX XXXX XXXX has CERTIFIED AND VERIFIED THIS INCOMPLETE AND INACCURATE REPORTING 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 2020-08-28
Company: Experian Information Solutions Inc.
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:
My information was stolen in a data breach and now I have multiple accounts on my credit report that are not mine and I did not authorize. I filed a police report, filed identity theft and disputed all items with all 3 credit bureaus. The credit bureaus keep saying that the companies verified it as valid which I don't understand how that is when it was not me who authorized the opening of them. They refuse to help me and keep telling me to call the companies the accounts were opened with and I have multiple times and they're no help either.

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 2021-10-13
Company: JPMORGAN CHASE & CO.
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:
THIS ACCOUNT WAS PAID IN FULL AND WHEN I CHECK MY CREDIT REPORT IT'S STILL SHOWING A BALANCE THIS ACCOUNT WAS PAID IN FULL AND I HAVE THE LETTER TO SHOW. IT'S SHOWING CLOSE WITH A BALANCE OF {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
IQ Data International, Inc deliberately added a collection account of {$5100.00} on XX/XX/2017. The company will not verify the debt nor any information about the debt. Rather it engages in phone harassment by using auto-dial robots that immediately hang up once the person answers the phone. IQ Data International deliberately uses auto dialing robots to skirt Fair Debt Collection Practice Laws so no one will track down its customer service representatives and hold the company liable. 

IQ Data International has a bad reputation within the business community and among consumers. According to the XXXX XXXX XXXX there are currently five complaints about the billing and debt collections practices of IQ Data International ( XXXX XXXX  XXXX ). Additional websites, including those from attorneys, address the problematic nature of IQ Data International. Therefore, I'm cautious about negotiating any consumer debt with a company with negative reputation of hostility towards consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reached out to Transunion to have this issue solved but they declined to help me. I told them I was a victim of an inquiry issue that they had and they told me I was not a victim but I knew I was because of my credit report. 

XXXX-XX/XX/18 XXXX-XX/XX/18 XXXX-XX/XX/18 XXXX-XX/XX/18

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 2021-10-07
Company: EQUIFAX, INC.
State: NC
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:
My identity was stolen and compromised. I have not been checking my credit report in a long time but was apalled to see how many fraudulent accounts I had opened in my name. I called each of the consumer reporting agencies and consulted with my legal team and was told to file an FTC identity theft report which is attached below. 

I also have multiple addresses and employers on my report that I have never been associated with. This information is very damaging to me so please remove all of the following negative information attached down below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
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 paid this account off and it needs to be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has this company Amsher or XXXX XXXX law harassing me about a balance owed to their company. I returned their equipment and sent it back to them and they will not stop calling me and will not remove the balnce from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Experian Information Solutions Inc.
State: FL
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:
Experian closed the account as lost or stolen this card was n't lost or stolen.This account was open without my knowledge.XXXX XXXX is a complete fraud and ive contacted them and they still not assisting me with resolving this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This isn't denying the debt debt but to report that XXXX XXXX XXXX is reporting inaccurate and inconsistent information across all three credit bureaus which all information being reported to the credit bureaus must be 100 % accurate. Numerous violations are in place and even though XXXX XXXX XXXX is not a debt collector per the FCRA all information being reported must be 100 % accurate which is a fine of {$1000.00} per violation. XXXX and TransUnion reports a high balance of {$16000.00} while reporting {$12000.00} on XXXX. This inconsistent reporting is hurting my credit score and even causing me to get higher loan rates by having a higher debt ratio on my report by when loan officers compare my income to debt ratio it'll look higher at {$16000.00} vs if it's indeed {$12000.00}. This reporting also has caused me to get denied job opportunities by XXXXPD and others by having inconsistent information on this account and having charge off payments being reported when it's not supposed to once the account is closed no late payments are suppose to be reported per the FCRA. The Date Of Last Activity for XXXX shows XX/XX/XXXX while XXXX shows XX/XX/XXXX and TransUnion showing XXXX. This account on XXXX  and TransUnion shows a later date of last activity which is inconsistent with all three bureaus and is in violation with the FCRA by the accounts would be ILLEGALLY re-aged on how long they would stay on the report. If all three credit bureaus are getting their information from the same creditor how is it that they're all reporting inconsistent information. XXXX  shows this account was an auto loan when in fact it's an Lease as shown with XXXX and TransUnion, The payment history across XXXX and XXXX are both inconsistent and shall show with the attachment highlighted. 




I've disputed this account previously back on XX/XX/XXXX and the creditor bureaus and XXXX did not update the date last date Verified which is a violation with the FCRA by which they're suppose to update the account each time when the file is disputed.

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