BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX Your company responded to my complaint with the CFBP stating that the incorrect account from Ally Financial has been deleted. As of XXXX this incorrect account from Ally Financial is still reporting to my credit file as should be removed as soon as possible. I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I am distressed that you have included the below information to my credit file, your organization has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Under the laws of the FDCPA, I have contacted the collection agencies myself and I have not been able to get them to respond or to verify that the debt is indeed mine. The FCRA Requires you to verify the validity of the information you have placed on my credit file. If the validity can not be verified, you are obligated BY LAW to remove this item. There is a clear case of unverified debt here and I urge you to remove this item before I am forced to take legal action. My lawyer has advised me to file an FTC report, which I have done so. Our next step will be to bring this information forth to a judge in my area, while I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. The following accounts are the result of the XXXX XXXX XXXX which my information was a part of, I have attached legal documentation to this letter. I look forward to a fast turnaround.

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 2023-10-03
Company: AmerAssist A/R Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX XXXX, XXXX XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a debt collector XXXX We are trying to collect a debt that you owe to XXXX XXXX XXXX. We will use any information you give us to help collect the debt. 

Our information shows : You had an account with XXXX, XXXX with account number XXXX that was charged off on XX/XX/XXXX As of XX/XX/XXXX, you owed : {$600.00} Between XX/XX/XXXX and today : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$600.00} Settlement Offer Available ( for a limited time ) - The current creditor has authorized us to release you from all responsibilities in regard to this debt for {$330.00}. Offer is no longer valid after XX/XX/XXXX. Payment must be received by our office on or before that date for this offer to be valid. 
- To ensure you make the deadline date feel free to call our office to pay over the phone or you can pay on our website at XXXX. In addition, you may print this notice, tear off the bottom payment stub and mail with a check or money order to this office at the address above. 

What we will do for you once you pay the account - Upon clearance of funds the current creditor will be notified with the correct adjustments made to your account records. 
- In the event this office has reported this account to the credit bureaus we will then update your credit records with the proper payment information. 
- There are other payment options available. Contact our office for more information. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Mail this form to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: JPMORGAN CHASE & CO.
State: VA
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:
I have called Chase over and over. Right after signing up, I called a customer support representative and they affirmed that I signed up for the benefits I was looking for. This call was recorded. They said it does not matter and their escalation called based on XXXX single phone called provided no false information so there was nothing they would do. But what about all the other phone calls with contradictory info? They also said a benefits letter would be sent to me. Also recorded. This was not received. There were also other representatives that guaranteed that the benefits they spoke to me were absolutely there and I had nothing to worry about. They even went as far to say it was a recorded line as confidence towards me. Apparently what they said was a lie. There has been too many hours spent on the phone for an offer that some Chase employees said there was absolutely no other offer available but somehow I got another offer that apparently was not said offer. So which is it? The whole purpose of signing up for this card was the gas credit and the XXXX credit off XXXX. I drive far for work and this was the most enticing part. 

They even had the ego to tell me the offer I have now is much better than that. So if I spend XXXX and get XXXX XXXX back is somehow better than XXXX cash back off XXXX and 5 % on gas up to XXXX which is another XXXX. So spend XXXX and get XXXX or the offer they put and spend XXXX to get the same XXXX. How insulting can they be? So what is going on here? Multiple representatives on phone calls that have been recorded. Where was this policy changed?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands and my credit reports. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX  XXXX, the Account is up to date. We have been making the required payment of {$25.00} a month per their request and have not missed a payment. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX XXXX 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 2020-04-24
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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

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 2023-10-03
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid triple over the amount owed for my auto, Santander want release my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Accounts Receivable Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2023 at XXXX XXXX received a call where person was trying to contact me and verify personal information. The way the man was speaking and asking for the information did not make me comfortable as said didnt need to verify address but then asked me to verify my address as well as my year of birth. I told the gentleman that I wasnt comfortable with this and was ending the call and hung up. The man immediately called me back and I answered by asking why he called me right back after I hung up. He said he needed to verify information and I responded by saying he was harassing me. He went on about saying it wasnt harassment and he kept over talking my with condescending attitude. I told him not to call me ever again because of the attitude he had and he took a threatening attitude, where I said again to not contact me again and hung up the phone. 

Afterwards I googled the phone number and found it went to Accounts Receivable Inc. the number the man called from was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a XXXX XXXX XXXX veteran, I have the va healthcare and XXXX. First Financial Resources is trying to collect {$2900.00} From me for XXXX XXXX.

My insurance either through the VA or XXXX should have covered this expense. It was for an ambulance ride. I contacted both the ambulance co and the collection company neither could produce any billing paperwork other than what day I was transported. This should have been covered and they have zero paperwork, I want this OFF MY CREDIT REPORT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I havent provided evidence in accordance with the doctrine, so you XXXX assume, under the doctrine of estoppel by silence, that there is no proof of the purported debt and, as a result, no such liability, if the debt collector has not provided the requested proof of the alleged debt within 30 days. 
In a good faith effort to resolve the matter amicably, I restate my demand for proof of the 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 terminate this collection action, and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to 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 specifically the alleged contract or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A new collections account was added to my credit report. upon checking I quickly realized the debt was not my debt and was the result of identity theft. I called the debt collection agency ( ERC ) who told me the original debt was from an XXXX account which was opened in XXXX Arizona under my social security number and the name " XXXX XXXX ''. My name is not XXXX XXXX, and I have never been to or lived in XXXX Arizona and I have never had an XXXX account. whoever did this stole my social security number and I want this resolved as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2023-10-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
So I got a online bank account an deposited my check there an they decided to close my account. It's been 3 months now an they just keep giving me the go around. Never the same answer I really need My money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions 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:
The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & XXXX XXXX XXXX XXXX XXXX are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & XXXX XXXX have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance XXXX {$950.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX  XXXX Balance : {$11000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$410.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$64.00}.

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 2021-02-11
Company: ECMC GROUP, INC.
State: NV
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I, XXXX XXXX XXXX, received a call from ECMC ( Education Credit Management Corporation ) violating 15 USC 1692c. I have sent them a Cease and Desist Letter/Debt Validation Letter/Affidavit if Truth/ Invoices and it was sent Certified Mail with a return receipt received and signed on XX/XX/XXXX. Upon XX/XX/XXXX, I was harassed and threaten with garnishment of wages by telephone and received threatening documents, ( violation of 15 USC 1692d ) sent through the mail to my mailing address. According to the The FDCPA I demand remedy for XXXX in a check by mail only. Also they are in Violation of the TCPA which I demand an additional XXXX for each day afterwards, which are the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I seek remedy for this for a total of XXXX in a check along with my additional invoice sent to them. Pursuant to 15 USC 1681 and 15 USC 1692f they have reported false information and I would like these accounts removed with specified remedy pursuant to 15 USC 1692k. This is a Third Party Debt Collector and I have asked for Validation NOT VERIFICATION pursuant to 15 USC 1692g, which they have not produced or responded too. I sent a Letter asking for this information on XX/XX/XXXX with a response from XXXX, not Validating but verifying an " Alleged '' debt. On XX/XX/XXXX, I received an return receipt after sending the Validation Letter, which is attached but they stated on the phone they had not received anything for this year. Still no response received. Pursuant to 15 USC 1692j, According to ( U.S. v.s Throckmorton, 98 US 61, at Pg. 65 ) ECMC has committed fraud and there is no Statue of Limitations on Fraud and I have no contract with ECMC and would like this removed from my Consumer Report pursuant to 15 USC 1681a and payment sent to me. Please help me resolve these matter. Please and 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 explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I am disputing the accuracy of this account on my credit report from XXXX XXXX XXXX ( Account # XXXX ). This account keeps getting ownership changes from one collection company to another. They are playing games with the dates opened, which is violation of the FDCPA. I have disputed the accuracy of this account before under different collection agencies. They have apparently sold this account and changed the open date to a more recent date this year. This is a violation, and confirms that they have no other interest other than to harm me financially.

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 2019-01-14
Company: AES/PHEAA
State: MA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to consolidate my two student loans with the Department of Education, so that I can place the one student loan in deferment and attend college for an accelerated XXXX  program with a local university in the field of XXXX XXXX. I have not had any luck getting the Department of Education to understand my long term plans. A XXXX degree will essentially double my income, and at the age of XXXX I believe that now is the time to move forward. Therefore, I would appreciate the proper direction to get the consolidation of both loans structured by the US Department of Education, and the federal agency can communicate with me by email to expedite the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Exeter Finance Corp.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
Ive done everything in my power to prove this account is and was fraudulently opened a vehicle was obtained in my name as a co-signer I have a police report as well as a identity theft complaint affidavit which I provided however its been denied and theyre coming after me the victim for {$30.00} this is ridiculous Ive NEVER had a loan in my whole XXXX of life but they believe I would wake XXXX day and co-signed for a vehicle for someone else is insane!!! I need help and I need immediately please my children are effected by this we are getting denied housing because my once perfect credit score has been destroyed completely.!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: MD
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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