BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-24
Company: First Credit Services Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am writing to dispute the following information that Experian has on file. 
XXXX XXXX XXXX Acct # XXXX This same account was removed from XXXX XXXX XXXX on XX/XX/2021. I have disputed this account twice and got the same result. Do all 3 credit bureaus abide by the same rules and regulations?

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 2022-03-02
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/22 I sent {$50.00} usd to XXXX XXXX in XXXX I received tracking number XXXX when XXXX attempted to retrieve the money she was informed by the western union pick up location in XXXX that it was cancelled, I immediately contacted western union at XXXX at approx XXXXXXXX XXXX pst only to be told by western union that I, the senders information could not be authenticated ( yet ive been sending money via western union for over 10 years ) I was then informed that since my identity could not be confirmed they would refund my money. On XX/XX/22 I checked the western union site only to see that western unions indicates, on their site that the receiver picked up the money. I subsequently contacted western union and was told I need to have the receiver return to the bank where she tried to pick up the money, once there call western union so they could officially cancel the transaction huh? are you kidding? this person needs to pay for a taxi to go do this, yet western union didnt release the money so how will she pay for the taxi? utterly ridiculous to tell me to have a non english speaking person return to their facility, call them to cancel

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have a RV Loan with XXXX XXXX  that was initially in XXXX. In XXXX, XXXX XXXX  offered its clients the option to participate in a XXXX deferred payment plan. I participated in the plan for the months of XXXX, XXXX, XXXX and XXXX. At the moment clients are enrolled in the plan, I was not notified that it would withdraw me from the automatic draft. As a result, a late payment in XXXX is being reported on my credit file as well as late payments for XXXX, and XXXX of XXXX. I was equally disturbed that my credit file indicated that a late payment was reported 30 days late for the same month of XX/XX/XXXX. For me, this was is a concern, as it is not possible to be 30 days late within the same month. Indeed this represents an error. 
I was enrolled in the automatic draft ACH payment and was told, XXXX XXXX was unable to process a payment in XXXX, XXXX. XXXX XXXX  indicated that they made an attempt to contact me via phone as this dis-enrolled me in the automatic draft system. XXXX XXXX  did not indicate the reason why the draft was not completed, and also did not suggest or prove that it was due to insufficient funds. I did not receive a call, nor did I receive a letter that I was not enrolled in the plan and as such, XXXX XXXX did not withdrawal the proper payments from my account and thus reported my account as being late to the credit bureaus. XXXX XXXX  indicated, that they sent mail during the pandemic, however US Mail delivery options were often reduced, limited, mis-delivered, or any mail not sent via certified is not guaranteed delivery during the pandemic. 

Attempts to contact XXXX XXXX during the height of the pandemic were met with multi-hour wait times, call disruptions, disconnections or being transferred to multiple specialist with further call cancellations. As of XX/XX/XXXX, I had to call and request a digital copy of the deferment letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
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:
This is not my account XXXX XXXX XXXX XXXX  # XXXX, please delete or produce the original instrument of indebtedness, method of verification and validation of debt. Also, this account is reporting a payment as of XX/XX/XXXX, but account is stating it has been close since XXXX ... 

This is account has many errors on all three credit agencies, please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
OnXX/XX/2018 we had 3 hard targets on our credit that was not authorized. It was at a XXXX XXXX that we attended and found out that they opened a XXXX XXXX credit card in our name we did not authorize that is fraud also there's a Barclays Bank that is on our credit report for the same day and XXXX so that's 3 hard hits that we did not authorize them to run our credit for anything it's all fraud and we want these taken off our credit report now.

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 2019-02-15
Company: BB&T CORPORATION
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: Account information incorrect

Complaint:
XXXX is incorrectly reporting an increase in the balance owed to Regional Acceptance Corporation of {$260.00} which lowered my credit score. This is not correct. The original amount owed was {$16000.00} and the current amount owed is {$16000.00} No payments have been made 30 days or more late. Statements attached for review.

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 2021-04-15
Company: ATLANTIC HOME LOANS 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: Problem with personal statement of dispute

Complaint:
they sold my mortgage to another company this being the 3rd time my account get sold to another company. Between the last two I had the issue. XXXX is the people that sent the negative credit report. 
1. XXXX XXXX XXXX 2. Atlantic home loans 3. XXXX XXXX  I had my account on auto pay and they didnt talk to me before reporting they said they tried to call and write letters. I never got neither. They werent able to communicate with me at all. 

Why would they sell account with auto pay connected I found out by accountant running my credit score. He provided me with report I contacted XXXX and payed full past due amount and the following mnth as well and set up autopay again XXXX XXXX is the company that reported it I havent really getting much help on this from none of the companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
My mother had a Chase freedom visa Card account and I was an authorized user. My mother passed away XX/XX/XXXX. I called Chase freedom visa card and told them about my mother passing in XX/XX/XXXX and faxed them her death certificate and chase told me I was not responsible for this account since I was not on the account but only an authorized user. This is now XX/XX/XXXX and I had my credit report run and found that Chase freedom visa card reported my mother 's account on my credit report as a discharge back in XX/XX/XXXX. I called Chase freedom visa card and spoke with XXXX who told me I am not responsible for this account and he has no idea how this ended up on my credit report. He would have this removed within five days and I will be sent notice of this removed off my credit report. It has been two weeks and I have not received anything in the mail as to this being removed off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
J.P. Morgan Chase Bank first put a restriction on my Chase checking account then without giving me a legitimate reason they closed it and gave me the lame excuse that " They could no longer maintain my account '' and had the right to close it without notice! This is unacceptable since I had that account for many years since 2004. They explained that it was a " corporate decision. '' I later read online that the reason they might have closed it was to eliminate arbitration and lawsuits from consumers. This is an illegal and unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2020 was issued a letter stating debt was paid in full. Then on XX/XX/2020 recieved a letter stating I owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover initiated a verification process without my consent. The results were very disappointing stating that they could not verify me because I did not file any tax forms in the XX/XX/XXXX-XX/XX/XXXX year and wasn't required to do so. They decided to close my account because of this decision which is unacceptable and now they are ripping me off with an over {$2000.00} balance that they claim I still owe which I am disputing because it was hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: Aqua Finance, Inc.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Aqua finance failed to process my auto payments properly and made my account fall delinquent where I received bad credit reports and a increase in my interest rate for falling behind in the first place. They claim my card did not work for the regular monthly auto payment yet nothing changed with my card info or my billing information. Upon closer review and after contacting my credit card company aqua finance never attempted to pull the XXXX payment. I believe they did this predatorily to double my interest rates and for there own personal gain

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Good Afternoon - How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CITI has been calling me at least 4 times a week for the last three weeks. When I call the computer asks me for my credit card number of which I do not have a CITI creditcard then asks for my social security number. 
After many attempts a live person was contacted. they gave me a phone number to call and the number hung up. 
I have never had a relationship with CITI ever.

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 2021-02-24
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:
I am writing the complaint as Experian, XXXX and XXXX  has refused to remove and account that has been clearly cancelled by the debt cancellation XXXX XXXX  received from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was given a XXXX from XXXX and submitted in a dispute to experian to cancel the debt and have it removed from my credit report per fair credit reporting act. This can not be income and a debt at the same time. I have filed the XXXX on my income tax return which has officially made the previous debt now income. For some reason experian keeps reporting it as a charge off instead of honoring the fair credit reporting act and removing the debt from my credit report. I have tried to resolve this several time with no resolution from experian. What is the point of a debt being cancelled if it is not removed from 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 2019-11-03
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I leased a XXXX  XXXX XXXX and had auto payments set up to be deducted from my checking account on the date due every month. I made the first monthly payment at the dealership when I did the paperwork. Chrysler Capital deducted the second months payment fine but when the 3rd payment was attempted they tried removing it from my savings and not my checking account and according to their website under my account it showed payments were being met. Next thing I know the vehicle had disappeared from my driveway and find out they repossessed it while I was out of state and away from home for 60 days. I call them and they tell me I can pay the past due to be reinstated and recover the car after being on the phone with them for 40 minutes and as Im getting my debit card to give the information to pay it she says that she just noticed the car was sold at an auction the day before! Ive received absolutely zero paperwork notifying of it being sold to this date but Chrysler Capital shows me owing {$15000.00} and it has negatively impacted my credit by showing derogatory and delinquent. Not to mention all the {$28.00} and {$30.00} fees charged by my bank because they kept trying to deduct payments from the wrong account. Im not sure who to contact but this cant be legal in any fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Associated Credit Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account in collection with Associated Credit Services, Inc regarding XXXX XXXX XXXX. The account has been paid and stills showing in my credit report as collection. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
I XXXX XXXX never enter any consumer credit transaction with PORTFOLIO RECOV ASSOC for them to have my personal information. Pursuant 15 usc 1692 ( a ) this is infringement upon my consumer right to privacy. By PORTFOLIO RECOV ASSOC obtaining my personal information without my consent PORTFOLIO RECOV ASSOC have committed fraud and identity thief. PORTFOLIO RECOV ASSOC furnishing this allege debt to my consumer report they have damage my reputation pursuant to 15 usc 1692d ( 1 ). Now I can't do business with anybody else due to the allege debt PORTFOLIO RECOV ASSOC furnished to my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
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: Their investigation did not fix an error on your report

Complaint:
I sent out dispute letters on XX/XX/2021 and the accounts has not been removed. I have not received a response to my request and the information has not been updated correctly.

Company response to consumer: Closed with explanation