BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-28
Company: EQUIFAX, 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:
My credit report currently shows a collection account from XXXX in the amount of {$3400.00}. The account was disputed and deleted as result of the dispute. The account was added back to all 3 credit reports on or around XX/XX/2017 and the credit bureau failed to notify me within the 5 business days following the unverified account being reinserted as they are supposed to as instructed by the Fair Credit Reporting Act section 611. I have referenced the law as it pertains to matters of this kind below.

FCRA Section 611 ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I already reached out to the credit bureaus and to XXXX XXXX XXXX  and notify them of their error posting for this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately needed. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof. Then I found out that the issue still persists, I just had to escalate to CFPB.

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 2021-11-09
Company: MacDowell & Associates, Ltd.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I received a letter from MAC DOWELL & Associates LTD representing XXXX XXXX XXXX XXXX stating that I the consumer owed a debt of {$51000.00} violating Truth In Lending Act, Fair Debt Collection Practices Act and Fair Credit Reporting Act among others. On XX/XX/XXXX I pulled my consumer report and saw that they have the alleged debt reporting to the credit reporting agencies starting on XX/XX/XXXX falsely stating that I have a debt violating TILA, FDCPA, FCRA and it is defamation and is impeding on my ability to utilize my open consumer credit line. 

On XX/XX/XXXX I responded via certified mail with a Cease & Desist, Affidavit of Truth with Exhibits and a Bill of Particulars to settle these violations and to grant relief. 

I have attached all evidence and supporting documentation to settle this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Several debt collectors have called me on behalf of XXXX XXXX. The one that contacted me today was ERC. I already settled my debt with XXXX XXXX through XXXX on XX/XX/XXXX i the amount of {$180.00} which is 50 % of the total amount owed. I spoke to XXXX XXXX when I made the payment. The phone number she provided on XX/XX/XXXX was XXXX. She also provided a Ref # that I will provide upon request. XXXX who is also with XXXX, provided XXXX. When I called that number a gentleman answered and said that he would transfer me to the " correct department '' I asked, " What is the correct department? '' He repeated, " I will transfer your call to the correct department. '' I held for approximately XXXX XXXX and then he disconnected the call. Then, I placed a call to XXXX XXXX to ask for a list of their legitimate authorized debt collectors, so I know which ones to report to the FTC. My call was answered by XXXX who stated that her records show that I still owe {$180.00}. I insisted that I do not owe that amount, and I settled for {$180.00} on XX/XX/XXXX. XXXX confirmed that a payment in the amount if {$180.00} was made, but that I still owe {$180.00}. After an unresolved debate, XXXX transferred my call to another representative who could not find an account to match my phone number. He answered the call in XXXX, but I assured him that I am not fluent enough in XXXX for him to take my call. He also attempted to give me instructions to dial in again, and put in a series of " ten zeroes '' as opposed to my actual phone numbers. I stated that I am not willing to continue to follow their instructions, because I have not received a resolution for my request, nor were the seeking to honor my request, but to collect money that is no longer due to them. I informed the representative from XXXX XXXX that I would seek legal action against XXXX XXXX and all of those collecting on their behalf if I receive another phone call, because it is now harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a problem with US Bank two months ago when they failed to apply my payment that got there on time, but they did not post it for a day. They lied! I called and told them to close my account. Last month they did not send my XXXX statement out until very late in the month, I did n't receive it until XXXX, but they did not change the due date. That allowed less than a full week to get it back to them on time because the XXXX was XXXX day and they were closed. I still got it there by XXXX. They acknowledge the receipt of the payment on XXXX, but they did not post it until XXXX, the due date. On the same day as it was due, before they posted my payment they charged me for a {$27.00} late fee, then they posted my payment. They purposely held my check until the XXXX, but they still tried to charge me a late fee! A dirty little trick, by a dirty little bank. I think they are trying to out XXXX XXXX XXXX for the leader of XXXX little tricks committed by a XXXX little  bank!

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 2021-05-12
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Weeks ago, we applied for a XXXX XXXX XXXX XXXX. We have receive XXXX emails confirming that we have been issued Chase Freedom unlimited cards, urging us to open our XXXX XXXX account on line, and urging us to use those cards. The last two are impossible given that we have never received any XXXX XXXX XXXX cards. Instead, Chase sent us three XXXX XXXXXXXX XXXX XXXX, XXXX in my name and XXXX in my XXXX XXXX name. We - I and my XXXX  - tried to resolve this problem on the telephone without success despite hours wasted. One problem is that the Chase authomated systems universally require that you state your account number, which we have never been told. We filed a complaint with your agency.. 

Today, we received in the U.S. Mails XXXX new XXXX XXXX cards, with a new account number, XXXX in my name and XXXX in my XXXX XXXX name. Again, we spent hours on the telephone with no resolution. WE WERE TOLD THAT THE PRIVIOUS UNAUTHORIZED XXXX XXXX XXXX HAD BEEN CANCELLED, AUTOMATICALLY CAUSING CHASE TO SEND XXXX NEW UNAUTHOIZED CREDIT CARDS TO BE SENT. We were not assured that the cards we actually authorized would ever be sent. My wife having left in disgust after hours on hold and being disconnecged by Chase, Chase 's represenative stated that the second round of unordered cards " can not be cancelled except by XXXX XXXX, the primary cardholder, '' even though XXXX are in my name and XXXX never autorized the cards in the first place. Chase has its rules. XXXX I am told by XXXX that the more credit cards we have in our names, the lower our credit score. So, all these unauthorized cards have a negative impact on our credit score. Wasn't it XXXX XXXX that was sending people unauthorized debit and credit cards? Should I call the U.S. Attorney for the XXXX XXXX of Ohio?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Experian Information Solutions Inc.
State: WI
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:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX : disputes were filed with XXXX, XXXX  and Experian regarding 4 bankruptcies that are on my credit report. 

Reported by : USBK COURT XXXX WISCONSIN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX Chapter XXXX reference # XXXX filed XX/XX/XXXX Chapter XXXX reference # XXXX filed XXXX chapter XXXX reference # XXXX filed XX/XX/XXXX Chapter XXXX reference # XXXX filed XX/XX/XXXX After filing multiple disputes online and getting a response that it was verified, I sent out 609 letters to each bureau on XX/XX/XXXX, requesting the credit reporting agency to send verification on how the bankruptcy court reported this information. I have not heard anything back from either credit bureau. 

I contacted USBK COURT XXXX WISCONSIN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX on XX/XX/XXXX and requested information regarding the courts procedures for reporting information to credit agencies. I got a letter back dated XX/XX/XXXX stating the court does NOT report information to ANY credit agency. 

Therefore, I believe these 4 bankruptcies should be deleted from my credit report due to the " reported agency '' not reporting this information to the credit agency.

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 2020-10-08
Company: National Credit Adjusters, LLC
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: Account information incorrect

Complaint:
A collection item recently appeared on my credit report The collection account is reporting in error. 
1 ) The collection company is National Credit Adjust the original creditor is XX/XX/XXXXthe first problem is I have never been contacted via phone or mail from the collections company, I have never sign any contract or received service from National Credit Adjust company 2 ) The original creditor XXXX appears on credit report showing same account number and listed as discharged in bankruptcy The problem is the collection company CAN NOT collect without a Contract or agreement CAN NOT collect on a discharged bankruptcy item Also the credit bureau cant not reference both accounts same account number with two different companies attempting to collect discharged debt Im requesting both validation of debt showing my signature, address and consent to service Proof that the collection company is licensed in my state Proof that services were provided to me with my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: EQUIFAX, INC.
State: TN
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 applied for an apartment in XX/XX/XXXX. A couple months later, I noticed that the background check was run two separate times, resulting as 2 hard injuries on my Equifax credit report. Early XX/XX/XXXX, I spoke with my apartment complex about the issue. They stated they were going through computer updates and it was most certainly a glitch that caused a duplicate request to be sent for a background check. The two background checks were completed right next to each other ( XX/XX/XXXX & XX/XX/XXXX ). They contacted the background checking company ( XXXX XXXX XXXX ) and they said I needed to contact the reporting credit bureau. I contact Equifax on the XX/XX/XXXX and initiated a dispute with a woman on the phone. Roughly a week and a half later, I was informed via automated email that the results of my dispute were available online, but was unable to access it through Equifax 's website. I called and spoke with XXXX ( spelling? ) at Equifax and was told there is nothing they can do to remove the duplicate inquiry without a Notice of Removal from XXXX XXXX I. I then called XXXX XXXX I that same day and they told me that Equifax was wrong and they would have their dispute department reach out to me within 24 hours. I then spoke with someone else at XXXX XXXX I a couple hours later when they called and was told they would reach out to me shortly but gave me my two dispute numbers for the two dates of inquiries ( XX/XX/XXXX : XXXX and XX/XX/XXXX : XXXX. I was then contacted by XXXX XXXX for the last time ( week of the XX/XX/XXXX ) and was told that the apartment complex needs to reach out to them. I spoke with the apartment complex that same week and they told me there is nothing they can do and asked if I contacted the credit reporting agency. I have gotten the run around multiple times, and just want to get this solved. Thank you for your help in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Around XX/XX/XXXX my son 's debit card from Chase bank was fraudulent use in an ATM machine in the state of Florida. I have a joint account withy son. I personally do n't have ATM or debit card They withdraw {$1500.00} from my son 's account and {$1500.00} from my account in a three different transaction from three ATM in the city of XXXX in Florida and try to withdraw more money in the city of XXXX, but the machine did not allowed. 
After contacting the bank and my son filling an affidavit. the money was restore to our account. 
Around XX/XX/XXXX Chase reverse the transaction and again and the money was withdraw form our account. 
My son went personally to the bank with a letter from his work that stated he never went to Florida and he was in CA all that time. 
Around XX/XX/XXXX the money was deposit in our account .Today XX/XX/XXXX they reverse the transaction and the money was withdraw again. 
We are tired with this Bank procedure, this matter is not resolve THIS WAS A FRAUDULENT TRANSACTION AND THE BANK DOES NOT WANT TO BE RESPONSIBLE I WANT PROOF THAT MY SON OR I DID THIS TRANSACTION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-27
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
I have tried to reach out to all three credit bureaus regarding a public record that is reporting on my credit report that should not be reporting but have yet to get any results. As of XXXX XXXX, 2017 public records including bankruptcy and judgements. I have sent Equifax, XXXX and XXXX a letter from bankruptcy courts stating do they do not report bankruptcy along with a copy of the new law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
I have tried to reach out to all three credit bureaus regarding a public record that is reporting on my credit report that should not be reporting but have yet to get any results. As of XXXX XXXX, 2017 public records including bankruptcy and judgements. I have sent XXXX, Transunion and XXXX a letter from bankruptcy courts stating do they do not report bankruptcy along with a copy of the new law.

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 2022-02-24
Company: JPMORGAN CHASE & CO.
State: NY
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:
XXXX purchased for a concert on XX/XX/XXXX, concert rescheduled for XX/XX/XXXX, contacted company ( XXXX XXXX ) for a refund-called to dispute charge at that time. Chase refused to refund disputed amount of {$510.00}. Event cancelled again and apparently rescheduled to XX/XX/XXXX, had tried to contact company because account through XXXX 's site was compromised. No tickets ever received, no communication from them with rescheduled date. Chase refuses to refund the money stating they have a XXXX dispute limit, even though I had called well within the time frame originally to dispute the charge ( XX/XX/XXXX ) Chase has poor customer service. Employees are rude and one working from home had a female laughing in the background. Disgusted by them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sent {XXXX} to SPS last month to be put toward my mortgage. The check cleared on The XXXX of XX/XX/2022. I am still waiting for it to be posted to my Mortgage principle. I call everyday and they give me an excuse why it is not showing up. This has been going on over a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I recently realized that a collections agency is reporting a debt on my credit report. 

The collections agency is called " EOS CCA '' and the " original debtor '' is XXXX. The collection was reported on XX/XX/XXXX in the amount of {$670.00}. 

I have been trying to get information from XXXX and in speaking with them, I was told that this debt was included in my prior bankruptcy. ( The acct number XXXX 's bankruptcy dept gave me is XXXX however I was later told by another XXXX rep in their credit reporting department, that this is not a valid account number ). 

I have already disputed the debt with XXXX  which resulted in a verified debt. 

XXXX however says that they have " escalated '' this issue but I have yet to hear back from them and it has been 3 weeks since I first initiated contact w/XXXX. I have left messages each week to have the supervisor call me back that I first spoke with at XXXX. She told me 3 weeks ago that she would get back me but she did not. I called her again onXX/XX/XXXXand left a message ( did not hear back ) and I called her again today ( XX/XX/XXXX ) and left another message. 

If I truly owe this debt, then I need to get it paid and off of my credit report however if I do not, then I need it removed from my credit report. However I have no statement from the collections agency nor a bill from XXXX and XXXX does not even seem to be able help me and they are the source of the debt in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX XXXX 2017, I revieved a call from an unfamilliar local Area Code & therefore did n't answer. After XXXX the phone # to no avail, I XXXX & called it back & found out it was ( also ) Transworld Systems Inc . They had already called before on ( XXXX ) XXXX so was this a tactic of Deception by the appearance of calling from a local #, just to catch the person off guard & get them to answer?? I did some research & found out that Transworld has NO Missouri offices & also that this is a Landline based in XXXX XXXX ( city ) MO ( just like I am ) & the # is provided by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ). Is this a normal practice for any kind of reputable business?? Transworld Systems has already been in big trouble with the FTC assessing record fines. Apparantly they were not enough to make the company conduct an ethical & fair business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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: Investigation took more than 30 days

Complaint:
I have asked to provide signature for these accounts and inquiry that they say are mine.They have not gave me nothing and its been over thirty days

Company response to consumer: Closed with explanation