BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-02
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I disputed a collection account on my credit file with all three ( 3 ) major credit bureaus and also submitted the requested information to the debt collection agency per their request and the negative account still incorrectly remains on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: LJ Ross Associates
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LJ Ross a collection agency has repeatedly reported false information to all three credit bureaus, specifically " re-aging '' my account, in violation of the FCRA. They reported that I opened an account in XX/XX/2018, that is absolutely false. I never opened an account with LJ Ross in 2018, and I opened no accounts in all of 2018. Most recently they placed a derogatory remark on my account which dropped my score 70 points, and will stay on my report for 7 - 10 years. This is beyond abusive and predatory tactics. 

Below is copied from my report : Opened XX/XX/2018  ( 1 yr, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had an online checking account with Simple.com since XXXX. 
On XX/XX/XXXX I had a balance of {$50.00}. On XX/XX/XXXX {$300.00} was deposited into this account. When money is available the account will show it as " safe-to-spend ''.

On XX/XX/XXXX I withdrew {$100.00} from this account from a local ATM, leaving me with a balance of {$250.00}.

On XX/XX/XXXX I tried to make another withdrawal and the transaction was declined.

On XX/XX/XXXX I called the Simple customer service line and explained my problem and was told by the person I was speaking to he could not fix the problem and he would have to hand it over to another department. I called back on XX/XX/XXXX and was told that the problem had not been fixed and there was no need for me to keep calling I would receive an email letting me know when I could access my funds. I called again on XX/XX/XXXX and was given the run around again. It is now over 30 days since I have been able to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase Bank closed personal checking account alleging unemployment benefit fraud on XXXX. Chase Bank statement states " XXXX XXXX Check '' issued on XXXX in the amount of {$5900.00}. I still have yet to receive this check, and Chase Bank refuses to provide me with an image of it as proof that it exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Financial Management Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed a remark on my credit report from FMS and requested validation of debt in XXXX. Shortly after, an old associate of mine was contacted by a law office. I was then contacted by a law office on Tuesday XX/XX/2019 once and three times on Wednesday XX/XX/2019. I requested they contact me via mail regarding any matters. Ive recieved nothing via mail validating the debt which they claim I owe. Today, I was contacted by that same old associate who stated my name was included in a law suit filing notice she was served with. Still no validation of debt has been made. The fact that I requested validation and now being faced with being sued, while my rights as a consumer were violated is unfair and unjust. And, With further review of my credit reports, I came across a potential business being reported under my name and the address owned/operated by the company in question. 

As Im completing this complaint, FMS has once again pulled my credit profile with XXXX against my knowledge, request and without permissible purposes. They have yet to provide me with Validation. 

They are also continuing to report to the credit bureaus while account in reference is in dispute which is illegal.

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 2019-03-12
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In an attempt to refinance my home loan it was brought to my attention that I had a negative account on my XXXX credit score. I was not notified that this was still active on my account, as I have now found out that a new debt collection agency had purchased this debt. I was not notified by them via mail, and if they called I have not answered and spoken to anyone involving this. This debt is not valid, so I would have fought this debt, as I have in the past, which I am now doing since my discussion with my mortgage company brought this to my attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian has refused to remove collections that will not validate the debts they say I owe, I disputed these collections in XXXX and they refuse to respond to my dispute! I have tried to dispute this for 90 days now Experians representatives continue to hang up on me, wont get me a supervisor, continuously lie to me that they cant get a supervisor unless they access my credit file, reporting fraudulently and not following the FCRA law concerning correct reporting, agencies continue to change information amounts owed, dates. Deragotory remarks. Etc. Also the items are not marked on my credit report as disputed they are showing as my accounts and even have been moved from collections to installment loans on my report! My FICO score is being shown as XXXX to me on my account but a different score is being released to creditors who inquire! Experians dispute phone number hangs up on you does not allow you to speak to a agent of Experian, I am providing this dispute to begin a criminal investigation by local police and the FBI to have all parties involved prosecuted for criminal activity and the unfair practices of stealing my personnel information, for effecting my credit scores and reports to prevent me from obtaining credit, and for misuse and conduct of my personnel credit files and personnel information, breaking consumer laws for fair credit reporting, and for fradulent investigations of disputes and corrections, releasing information that is incorrect to creditors, collection of money for membership and reporting false information on my account, refusal of protection of my credit file, allowing criminal agencies to break the law and putting false information on my credit file. A copy of this complaint and police report have been forwarded to the FTC, FBI, AND LOCAL SHERIFFS DEPARTMENT for investigation and prosecution I expect the CFPB TO INVESTIGATE AND ENFORCE THE FCRA FEDERAL LAW AND TO TAKE ACTION!! ACCORDING TO THE UNITED STATES ATTORNEY GENERAL, FTC, FBI, THE WHITE HOUSE. THE DEPARTMENT OF JUSTICE, HOMELAND SECURITY YOU ARE THE ENFORCING AGENCY AND I EXPECT A RESOLUTION AND REPORT OF INVESTIGATION OF HOW THIS INVESTIGATION IS CONDUCTED AND ITS SOLUTION!! I WANT ALL INFORMATION PROVIDED TO ME SO IT MAY BE FORWARDED TO LOCAL LAW ENFOREMENT AND THE FBI FOR PROSECUTION

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 2019-03-12
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving phone calls and letters since XXXX of XXXX from Resurgent Capital Services. They are claiming I owed money back from XXXX to XXXX XXXX in the amount of {$1300.00}. In there letters and even over the phone they have told me that the statute of limitations has ran out and they can not sue me. However I am still obligated to pay them. I told them the debt wasn't mine. I have nothing on my credit report stating so. I have no record of this debt. I wrote them a formal letter asking for proof and also I wanted to get a copy of their license to collect debt in the state of Illinois. I received no proof of debt of that a letter head of their company logo saying I owed money. I was expecting some original documents from XXXX XXXX showing what I signed and agreed on. I also didn't receive any proof of them being licensed in IL. 

They are saying if I don't respond withing 30 days I will be held accountable for the debt and they will be able to legally pursue by re activating the time limit. I sent the another letter saying I didn't receive any valid proof that the debt was mine. I also stated I didn't receive any proof of them being licensed in IL. I would like the phone calls and letters to stop. I believe I have proven I have not obligation to pay what they are claiming. 

Please help XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I submitted all information, with letter from the FTC, police reports & proof of identification but although im a victim, and i pay my bills, negative merchants want me to pay someone elses bills?! I did not open nor use any major credit card since prior to 2000! 
I Paid my school loans & earned my XXXX XXXX & paid b my losns off with XXXX becc back never a day late!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Bread Financial Holdings, Inc.
State: VA
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 filed for identity fraud on XX/XX/2020. Was notified of needing to make a payment to my XXXX credit card. Submitted the payment via phone and charged were waved. The charge didnt go through due to identity fraud shutting off my debit card, bank account, and credit card. Payments were not late as the attempt was made to be paid however due to identify fraud could not be completed. Account was closed in XXXX however remained open without notification to myself the consumer due to the inability to process payment. I was not notified until months later of the account being delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT OFF XXXX, XXXX, EXPERIAN

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 2020-09-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
FARI collections is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt on my credit file, I called immediately and paid the debt off. I never received any phone calls or collection letters or notices about this debt. I'm sure this violates my 30 day right to dispute.

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 2020-05-21
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Complaint : Previous complaint file number XXXX follow up. 
Denied by PNC, new input is as follows ; There was a signature card was on this account. said checks were in numeric order, drawn at another bank. with an increase in funds drawn from a small amount to a larger amount and should have alerted thee bank to fraudulent activity. being that the checks were cashed at another bank it created a lag time in the reporting process for the account holder. Nonetheless, fraudulent activities should have been caught by PNC had they been using the tools at their disposal to detect fraud diligently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: CORELOGIC INC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020, I was discussing a HELOC with XXXX XXXX XXXX XXXX. As I was completing an application a representative emailed me to ask permission to pull my credit. I responded and stated that I was concerned that pulling my credit would result in a hit to the credit score, and so I only would authorize that if I knew that I would at least have the necessary  documentation available to complete an application. Specifically, I asked if paycheck stubs were needed, because I knew that I could not obtain them from my employer due to the COVID 19 situation. 

The representative checked, and confirmed that the application could be processed without those documents. The bank then directed its agent, Credco, to pull my credit. 

On XX/XX/XXXX, a loan processor asked for the paycheck stubs. When I forwarded my previous correspondence, they responded by saying that their representative had made a mistake. 

I contacted the credit bureau and disputed the credit pull, but they claimed that the report was accurate because it reflected an actual ( if unauthorized ) hard pull. They advised that if the pull was unauthorized, I needed to dispute it with the requestor. I contacted XXXX ( XXXX XXXX ) and asked that it direct Credco to reverse the hard credit pull, but they claimed that they had no influence over Credco. I contacted Credco to dispute the credit pull, but they did not respond.

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 2020-09-11
Company: Firstsource Business Process Services, LLC
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 HAVE THESE ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT. THIS ISNT FAIR FOR THESE ACCOUNTS TO BE ON MY CREDIT REPORT WHEN I NEVER OPENED OR AUTHORIZED ANY OF THESE ACCOUTNS.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX as well as several other companies have reported inquiries on my credit report which are fraudulent. these inquiries are impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have notified this bureau and they have not acted according to the FCRA 605 B.

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 2020-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had my wallet stolen on XX/XX/2020. The loss was reported to Capital One immediately the same day. There was a fraudulent charge of {$120.00} on one of my credit cards with Capital One. 

On XX/XX/XXXX I received a letter from Capital One that my dispute was denied. 

On XX/XX/XXXX I called the Capital One fraud department and spoke to a supervisor there named XXXX who advised me to send a letter and my police report by fax for a reconsideration. I faxed it that same day. I did not hear a response back for two months. 

I have resent the fax to XXXX XXXX in the fraud department at the fax number in the letter. 

I have sent Capital One the police report, a copy of my credit report showing all my credit card account numbers were changed as a result of the theft, another credit card which had fraudulent purchases on the same day reversed, and a copy of my bank statement with reversed debit card charges at the exact same place of business of the disputed charge on the credit card. 
They still have not reversed this fraudulent charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. I have several fraudulent inquiries on my consumer report. I have reported identity theft to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: DISCOVER BANK
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:
XXXX  XXXX is showing inquiries on my credit report which are fraudulent. the dates of inquiry are XX/XX/XXXX and XX/XX/XXXX.. i have reported this to XXXX  and ftc ... these inquiries need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: United PanAm Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On XX/XX/2020, my car was repossessed by XXXX XXXX XXXX in XXXX Florida. I immediately contacted my auto financing company, XXXX XXXX XXXX, to figure out why. They advised me that my car loan had been canceled and the dealership I purchased my car from had purchased my vehicle on XX/XX/2020. I never received a letter or any notification about the cancellation of my loan, the sale of my car, or that there was a repossession in place. This has left me unable to perform my duties at work in the middle of a pandemic. I am a plumber and need transportation so that I can feed my family. The automobile dealership wants me to find another lender to get back my car. I am unable to come up with a down payment on short notice. I need some assistance and resolution in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/2021 Chase closed my account without notifying me thru mail. I am not sure when they closed my account. I just found out today that my credit card xxxx xxxx xxxx XXXX is closed and I lost my XXXX reward points. 

I also have problem with chase website that kept popping asking for paperless every time I log in and I could click the paperless instead of paper. i always setup paper. That's why I missed the payment. When I called that the reason they give me is i did not pay or I missed payment. That's the only payment I missed and it is not on purpose. I have never missed any payment and always pay in full. All I am saying I missed payment chase already charged me interest and fees and chase dinged my fico score, isn't that enough? 

But for closing account, regardless chase at least notify me thru paper mail and give a chance to transfer my points to another accounts if they want to close the account. My reward points worth {$2000.00} and i only owe around {$200.00}. I earned that reward points. 

I attached the statement. I usually write down when I paid and which bank I use to paid. See the attached

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: AMERICAN EXPRESS COMPANY
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:
XXXX  XXXX is showing inquiries on my credit report which are fraudulent. the dates of inquiry are XX/XX/XXXX and  XX/XX/XXXX.. i have reported this to XXXX  and ftc ... these inquiries need to be removed

Company response to consumer: Closed with explanation