BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-28
Company: P.S.C., Inc
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is my second complaint against Puget Sound Collections. The attached judgement was filed on XX/XX/13, which is the past seven year mark for collections. This company can not collect this amount and it can not be reported to any credit bureau due to the age of the debt. 

This is the last warning to Puget Sound Collections, they will remoive this negative item from all three credit reports, and will not re-report or attempt to contact me in any way, written or by telephone. The judgement is off the credit reports due to age as well.

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 2020-04-28
Company: Kriya Capital, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has started reporting on my XXXX  as of XX/XX/2020, and XXXX as of XX/XX/2020, exact date of being added I dont know but was on my credit as of XX/XX/2020. I only discovered the placement of these derogatory items from this company that I have never heard of prior to seeing them on my credit file. I have never heard of this company before spotting them on my credit files, never entered any agreement with them, and never had a communication from them. 
I researched this company upon seeing them on my credit files and see that they have many countless violations of the law and complaints issued about them. This is a serious concern to me in that I find it troubling to have a company with such a shady track record to have access to my information and files about me. They have not established their permissible purpose under the FCRA in accessing my credit files. 
This company opened these accounts more than five  days before I typed and sent this complaint and yet has not mailed me a validation letter of such debt. So they have made an initial contact by placing this derogatory information and yet they are violating the law in disregarding the Fair Debt Collection Practices Act by not fulfilling the validation of debt requirement offering me the chance to respond by demanding validation from them, denying me that lawful right. 
I am demanding of this company all documentation they have on file regarding this alleged account ; signed contract showing the existence of an account, the accounting showing the amount they are demanding, or the full and total deletion of this account from all of my credit files Credence is placing the account on, and their deletion of any and all personal information they have in their possession regarding me, and not to resell this alleged account. I have also demanded verification of this alleged account through the credit bureaus the account is placed on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-07-01
Company: FISERV INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
WHEN I SELECTED " TRYING TO COLLECT THE WRONG AMOUNT '', I MEANT THEY'RE TRYING TO COLLECT {$50.00} AND IT'S THE WRONG AMOUNT BECAUSE MY DEBT IS {$0.00}! THEY HAD SAID THEY HAVE VERIFIED THE DEBT. I HAVE AN EMAIL FROM THE CREDITOR DATED XXXX XXXX, 2023. SAYING THAT MY ACCOUNT IS UP TO DATE. I OWE NOTHING. I'M ONE OF THE CREDITOR 'S BEST CUSTOMERS. THE CREDITOR 'S REP SAID THAT HIS NAME I SHIVAM.

BESIDES, I M JUDGEMENT PROOF. I'M FROM NY, THE DEBT COLLECTOR IS IN GEORGIA. I KNOW A BIT. FOR THIS DEBT TOTALLING A WHOPPING {$50.00}, I CAN'T IMAGINE WHY THEY WOULD SPEND MONEY ON PAPER AND INK TO WRITE THEIR LETTERS, TO TRY TO COLLECT {$12.00}. 
THEY REFUSED TO GIVE ME THE NAME OF THEIR LICENSING AGENCY, WERE RUDE AND OBNOXIOUS. REFUSED TO LET ME TALK, WHILE IT'S NOT NECESSARY TO TELL THEM THIS : THE ATTORNEY GENERAL 'S OFFICE CALLED ME ON M Y PERSONAL CELL PHONE THIS MORNING. AND I TOLD HIM ABOUT THIS. AND WHILE I WON'T NEED A LAWYER, I HAVE ONE IF I NEED HER. I DON'T HAVE TO PAY HER EITHER. OF COURSE, THEY WOULD HAVE TO PAY SOMEONE TO PURSUE THE COLLECTION OF A FEW BUCKS.

IF THEY WANT SOMETHING FROM ME, I WON'T EVEN HAVE TO GO TO COURT. I ' CAN ONLY ASSUME THAT THEY HAVE A HIGH FAILURE RATE, AND THAT MUST BE WHY THEY'RE SPENDING SO MUCH MONEY TRYING TO COLLECT SUCH A SMALL AMOUNT OF MONEY. I WON'T BOTHER FILING A COMPLAINT WITHB TRHE XXXX, BECASUSE I CAN SEE THAT THEY HAVE ENOUGH COMPLAINTS ABOUT THIS DEBT COLLECTOR AS THEY NEED. HOW DO YOU SAY, " GOOD LUCK AND GOOD RIDDANCE. I'LL TRY TO GET TO THE XXXX OFFICE WITH ANOTHER LETTER TO THEM, THIS IS A PIECE OF, YOU KNOW, CAKE.

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 2020-04-07
Company: Upgrade, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took a loan from upgrade for loan amount XXXX to consolidate bills.My credit score at the time of the loan was XXXX ( XXXX  ) .The APR or rate is 32.27 % .Upgrade is ripping me off with this rate.My monthly payment XXXX, which is way to much for this loan.Also, since this coronavirus pandemic, And was laid off of work because of coronavirus pandemic, I called upgrade for there hardship program because of coronavirus.They approved a three month program with payments of XXXX.They said at the time of setting me up with hardship program, that this program wont affect my credit AT ALL as long as i pay the hardship program.My first hardship payment was on XX/XX/2020.On XX/XX/2020, I recieved a email saying im past due XXXX and im delinquent.How can I be Delinquent if im on a hardship program because of coronavirus? Therefore, My APR is way to high and cleary upgrade is taking advantage of me.Therefore, I shouldnt recieve any email saying im delinquent when im on the hardship program and this should not affect my credit.Also, if my normal payment XXXX and they cut the loan down to XXXX due hardship program because of coronavirus shows how much money upgrade loans is making off of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I got an app on XXXX XXXX  called XXXX on XX/XX/20. XXXX  disputes ( in my behalf ) unnecessary charges from your bank {$850.00} with Chase bank in one year. XXXX  filed reversals thru my bank of bills that were paid this month {$340.00} roughly. I've tried to get thru to Chase '' s dispute dept to no avail. Waited on hold 2 hrs got hung up on ( one occasion ) I've tried to get thru many times. My credit score dropped 41 pts in 24 hours. Please help idk what to do.I have gotten threatening phone calls and texts from XXXX. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My SSN has been compromised bank account has been open credit cards and other stuff charge offs on car loans on my credit report from XXXX, XXXX XXXX XXXX. I need everything off my credit report and consumer report. I received a email about stimulus refund and called the number and reported it a scam I gave my information now everything is going wrong

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, INC.
State: TX
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:
In XX/XX/2019, I had submitted a complaint to all CRA 's ( Equifax, XXXX and XXXX   ) regarding a collection report on my credit file from XXXX. This collection agency and the original creditor is falsely and illegally reporting this debt. My evidence is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Santander Consumer USA Holdings 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 have submitted a dispute on this account by Santander multiple times starting on XX/XX/2019, XX/XX/2019 and XX/XX/2019. They have not supplied adequate paperwork show who this account belongs and how much it was sold for or anything that pertained to the account. They never supplied there method of validating the debt they just said it belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-19
Company: Experian Information Solutions 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:
On XXXX XXXX ... Experian received my XXXX Express Mail Letter File Number XXXX ... 
This is after they sent me their Dispute Result Letter which I received on XXXX XXXX The Disputed Negative Account was for XXXX XXXX XXXX  ... Account Number XXXX This a Fully Paid Closed Account.. 

The Account shows a Late Payment on XX/XX/2015 ... There was Never any Late Payment..This Information is Incorrect ... 

XXXX  shows it as Fully Paid with no Late Payment

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 2020-04-28
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have my PNC bank account linked to XXXX to purchase cryptocurrencies. I have been purchasing for a couple weeks now. But now that the investment has matured and I want to collect, PNC is telling me that they " have made changes that prevent me from linking my account. '' ITS ALREADY LINKED!! I can BUY into investments, but not SELL them? What sense does that make??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Someone called me Saturday night from a personal phone with NY area code. She said that she is with Chase and that she needs to send me a code I need to read it to her. I said that I will not do that since she is calling me not from authorized bank number and I will not release any sensitive information to her. I asked if that is possible for her to call me from bank number or if I can call the bank number myself, she said yes. I have called the bank customer service number and automatic recording said that there is person is available to speak to. I have tried to log in to my online account and it was locked. I have googled and found out that they have no support until XXXX XXXX  Sunday. I have called XXXX XXXX  Sunday and the person there told me that no one will be able to assist until Monday. I SUSPECT CHASE IS DOING SOMETHING WITH MY MONEY. I CAN NOT SEE THE TRANSACTIONS I CAN NOT GET HELP. No legit company especially that deals with money should request codes by calling from some shady numbers, and how is that possible that no one is available to provide the support and customer has to be locked out from their money??????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Experian Information Solutions Inc.
State: IL
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 HAVE NOT GOTTEN ANY INVESTIGATION RESULTS AND THESE ACCOUNTS SHOULD BE DELETED IMMEDIATELY CONSIDERING THEY ARE REPORTING INACCURATELY WHICH IS A VIOLATION OF FCRA.

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 2022-12-07
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS XXXX. UPDATE AND SUPPRESS NEGATIVE INFORMATION XXXX. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Foris DAX, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have an account with the company, Crypto.com. On XX/XX/2023 I initiated a transfer from my fiat wallet to my credit union, XXXX XXXX XXXX. The funds showed they had been removed from the Crypto.com fiat wallet, with an anticipated deposit time of 3-5 business days. When that time passed, I contacted the company to see if there had been a problem. My XXXX XXXX verified they have not received any funds, and there is no error/notes on my account about an issue. Every contact I have had with crypto.com has been via in-app messaging or email, as they do not have any phone numbers publicly available. When I received constant canned replies, from different reps every time, saying they were looking into it, I finally asked for the email for the CEO or CFO, and they would not give me any ability to escalate. I have never been informed if the funds were returned to crypto.com due to some error/issue, or had anyone give me ANY concrete information about options, timelines, progress, or status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: LA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2020-09-23
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX was made through XXXX XXXX Mortgage. The servicing of the new mortgage is now being handled by PHH Mortgage. XXXX XXXX told me this via a letter. I never received a welcome letter or even a bill from PHH Mortgage. I have called them XXXX times. The first payment is due XX/XX/XXXX and I have no welcome letter, no bill, no way to pay because the website doesn't give me a way to pay the bill. Again, the website does not show any bill or a way to pay the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
All the three credit reporting agencies , XXXX, XXXX and Trans Union have wrong info on my files. I was a victim of identity theft and all the negative reports on my credit are all not mine. I reported being a victim of identity theft { someone used my name address and even my picture to obtain these accounts which are listed on the files.

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 2020-07-19
Company: EQUIFAX, INC.
State: IL
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 HAVE NOT GOTTEN ANY INVESTIGATION RESULTS AND THESE ACCOUNTS SHOULD BE DELETED IMMEDIATELY CONSIDERING THEY ARE REPORTING INACCURATELY WHICH IS A VIOLATION OF FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Experian Information Solutions Inc.
State: IL
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:
THE ACCOUNTS ARE REPORTING INACCURATELY AND SHOULD BE REMOVED DUE TO VIOLATING THE FCRA ACT!!!! THERE IS NO WAY THESE ACCOUNTS SHOULD CONTINUE TO REPORT INACCURATELY I AM HIGHLY DISPLEASED AND I HAVE NOT GOTTEN ANY INVESTIGATION RESULTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Experian Information Solutions Inc.
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian I strongly believe your company is refusing to conduct A proper investigation on my behalf And I strongly believe you are violating the FCRA. Claiming that you cant verify me when disputes are sent by no other than me with proper documentation and identifying myself. I have sent you factual base evidence of negative and violation thats reporting on my credit file and your office refused to remove or do a proper investigation on this XXXX day of XX/XX/2020 Im requesting your office to provide me a copy of everything in my credit file this will need to to include every dispute that you claim you conducted with dates of the result also alll credit contracts and credit application that your office should have on file in order to report. I know your office will say you are not required by law to send that information in which I know that is not true the law is clear your office should have contract copies of credit application in the consumer credit file and I need that information sent to me fcra 609 clearly stated that I have the right to asked and that you would have to provide this information upon request I will be waiting

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 2023-07-07
Company: Exeter Finance Corp.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation