BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am elderly retired person. My loan was modified as per loan modification agreement dated XXXX XXXX, Principal balance amount {$960000.00} interest only was supposed to be capital & interest payment ( capital reducing ) from XXXX XXXX. Loan modification agreement was not complied by the lender from XXXX. 
Out standing mortgaged XXXX {$960000.00} started going up increasing every month regularly instead of coming down. I made several complaints verbal & written to the lenders, they acknowledged but no action was taken over long period of time. I want situation to corrected as per agreement & I should be compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: United We Collect, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed an account on my credit report that I did not re-call owing and I did not know who the collector was so I sent them a letter asking them to verify the debt back on XX/XX/XXXX. They merely sent me an invoice with an amount with little to no information about the debt. 

On XX/XX/XXXX I advised them that what they sent me does not prove the validity of the debt just that the debt exists on their records. I advised them that reporting collection activity on an account which has not been validated is a violation. 


On XXXX/XXXX/XXXX I proceeded to notify them that without necessary proof I would be filing complaints without further response from the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts 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 non-monetary relief
Consumer complaint received 2021-05-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXXt Is a Fraud account this account has already be file with the FTC previously here is a new FTC file number for this account FTC report numberXXXX Also I have a right of privacy 15 USC 6802 and 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 is missing that should be on the report

Complaint:
Bank of America closed account number XXXX is reporting to XXXX, XXXX   and XXXX credit bureaus.I would like the account removed because it contains 3 yr old lates that come from the time when I experienced ACTS OF GOD that prevented me from properly handling my loan obligation.I have an understanding and knowledge of the fact that the bureaus and creditors have not held their customers accountable in time of '' natural disaster '' from'ACTS OF GOD '' that affected the consumers ability to meet their loan commitments.I HAVE EXPERIENCED AN ACT OF GOD AND OCCURRENCE SO SEVERE AS TO MAKE ANY NATURAL DISASTER LIKE A FORREST FIRE SEEM MINOR. 
My recently deceased, divorced father had terminal XXXX. 
There was no one but me to care for him, pay his rent, make all medical decisions, and feed, clothe and bathe him until the end. 
At the time of my lates it was a time period of surgeries, some elective and experimental to save his life.I was younger and overwhelmed with the constant hospital environment and the life or death gambles I was making on my father 's behalf. 
I was late on my loan commitment but caught up quickly. 
Please be a real human being and remove my account as the lates are devastating to my young credit and the fact that I truly did have solid mitigating circumstance, ACTS OF GOD to cause those lates.

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 2023-08-20
Company: Experian Information Solutions Inc.
State: SC
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:
Report Number XXXX and Report Number XXXX Date Generated XXXX XXXX XXXX  Account info Account name XXXXXXXX XXXX Account number : XXXX Account type : Credit card Responsibility : Individual Date opened : XXXX StatusClosed. : {$580.00} past due as of XXXX XXXX 

Status updated : XXXX XXXX Balance {$5600.00} Balance updated : XX/XX/ Recent payment- Monthly payment : {$210.00} Credit limit : {$4700.00} Highest balance : {$5600.00} Terms - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days 120 Past due 120 days Payment history guide 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX  30 days past due as of XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX, SD 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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Upon reviewing my credit record, I have identified several closed accounts that should not be included. This complaint serves to bring 3 credit bureaus ' attention to the violation of consumer protection laws and request the immediate removal of fraudulent accounts from my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX : {$0.00} 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 non-monetary relief
Consumer complaint received 2018-07-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chase Claim number XXXX. I am seeking {$60.00} reimbursement for two stop  payment fees on two checks that were deposited in an ATM machine and lost by Chase bank. I had to go to the two makers of the checks and confirm that the checks had not cleared their banks ( the checks had not ) and request replacement checks. A Chase employee had told me to get new checks made and that Chase would reimburse me for the stop payment fees that my clients charged me. On XX/XX/XXXX at XXXXXXXX XXXX, I attempted to deposit {$1200.00} in cash and five checks in an ATM machine located at XXXX XXXX XXXX XXXX XXXX Fl. The ATM machine gave me the message that it was unable to process my deposit and to call XXXX. Unfortunately the ATM machine did not return the cash or the checks. Eventually the {$1200.00} in cash and three of the checks were credited to my account. I call Chase and told them that two checks and not been credited to my account. The Chase representative told me to go to the makers of the to checks and get replacement checks issued. When I asked about the stop payment fees for the two lost checks, I was told to have the makers issue the checks for the original amounts less the stop payment fees and that Chase would reimburse me. I went into my local Chase branch on XX/XX/XXXX at XXXX XXXX to deposit the two replacement checks and to get reimbursed for the {$60.00} for the stop payment fees that the makers of the two missing checks and charged me. I spoke with XXXX XXXX ( who was helpful ) he called a Chase employee named XXXX ( he would not give me his employee ID or last name He was unhelpful and rude ). He told me Chase would not reimburse me and that I should get reimbursement from the makers of the two replacement checks. I can not ask the makers of the checks to pay the stop payment fee because the original check that was issued to me never cleared their banks and I can not produce the original checks because I deposited them into a Chase ATM that I was never given credit for. I was surprised that the checks were never accounted for when a Chase employee opened the ATM machine. I did cloud the waters by not have an exact total for my deposit when I initially contacted Chase so I  was advised to estimate the total which I did at {$5000.00}. The only reimbursement that I need from Chase is for {$60.00} for the stop payment fees for the two replacement checks. The deposit I was credited with originally of {$5000.00} with a debit of {$1600.00} for a total of {$3400.00} I agree with. ( 5000 - 3400 = 1600 ) The detail of the deposit for {$3400.00} is cash {$1200.00}, check {$150.00}, check {$600.00}, check {$1400.00}. On XX/XX/XXXX I deposited the two replacement checks of {$200.00} and {$520.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-08
Company: EQUIFAX, INC.
State: NC
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 disputed information on 3 different collections on my Equifax Credit Report. I have contacted all 3 accounts to verify the collections and all 3 of them stated there was no record of the accounts in my name. 
First account is XXXX  / XXXX XXXX for {$360.00} The second is XXXX XXXX XXXX for {$30.00} Third is the same as the second XXXX XXXX XXXX for XXXX.. 
I disputed the accounts and asked Equifax to remove the accounts or verify and provide me proof that they are mine ... I haven't received any proof and they remain on my report ... I personally called each collection and was told they are no record of the account..I would like Equifax to do there job correctly and remove the collection accounts or show me proof that the accounts are mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I have disputed this Chapter XXXX several times due to inaccurate information ( address, case number ; its all wrong ). I filed the initial dispute with all three credit bureaus on XX/XX/XXXX. I received a notification from XXXX  on XX/XX/XXXX that the Chapter XXXX had been validated. On XX/XX/XXXX, I received a person email from XXXX stating that they could NOT authenticate me in their system ( because I disputed through CFPB ) and they needed me to fax them copies of my SS card and license ; or send them by email. The issue is this : 1. It is not up to me to bear the burden of proof to authenticate who I am to them. When I submitted the CFPB dispute ; I gave you my last 4 of the social, birthdate and complete address information. I called XXXX the same day gave them all of the information that they requested and they STILL could not authenticate me. When I filed this dispute ; it was filed through the CFPB which shows the last 4 of my SS # and my birthdate and address. That is how they got my email address. 
2. Due to the number of data breaches etc., I do not feel comfortable sending my information to them via fax or email. Again, I do not believe I should have to send this information to them. They should have this information handy if they are sending this information to credit reporting agencies on a regular basis. 
3. Based of the fact that XXXX  stated that they received validating from XXXX and then XXXX couldn't verify me. Something isn't adding up.

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 2020-10-28
Company: The CMI Group, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I received Notification that a new collection account was placed on my credit report by Credit Management for XXXX XXXX for {$260.00} account number XXXX. 
I immediately called credit management to discuss the bill. Representative stated they received the account from XXXX XXXX in XX/XX/2020. Explains it a wrap I did not order them any money I paid the account to a different collection agency in XX/XX/2020. I was told to contact XXXX XXXX  formally known as XXXX. 
Call XXXX  XXXX  XXXX  gave the rep the account number and was told I had a XXXX  balance. She ran my Social Security number in our system and I did not have any other accounts she can not explain why the account was sent to a different collection agency. She had her supervisor to look at the account and a supervisor said the same thing a ticket was created and was sent to the department to handle this account to have it removed from the collection agency and removed from my credit report I was told to call back in three days call back on Tuesday night The representative told me the same thing the account he pulled up had a XXXX  balance and he could not explain why he was sent to a collection agency I had to give the specially handling department time to review the case to call back on Friday. Call back again today and spoke to another representative she also looked at city account and could not explain why an account with a XXXX  balance went to a different collection agency she had her supervisor to look at the account her supervisor said the same thing another ticket was created and I will provide both ticket numbers. 
Bill with XXXX  Total Bill {$780.00} Received Credit {$310.00} for equipment Balance {$460.00} The account was sent to XXXX XXXX collection agency Account number same account number XXXX Set up a payment arrangement to make 4 payments of {$120.00} Payments made XX/XX/2020, XXXX & XX/XX/2020 Ive included a copy of my credit card statement showing payments to 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 non-monetary relief
Consumer complaint received 2021-11-30
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX, a natural person, and a consumer, receive my consumer report on XX/XX/2021, and noticed and have proof that I am a victim of identity theft as defined under 15 USC 1681a ( q ) ( 3 ). 15 USC 1681a ( q ) ( 3 ) -The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. 
Midland Credit Management , Inc has stated that I, a consumer, owe an alleged debt. This alleged debt has been furnished to my consumer report and is a violation of 1692b ( 2 ). See attached I, the consumer, have not given any prior consent or received any court documentation before the communication of this alleged debt. This is a violation of 15 USC 1692c ( a ) My failure to dispute the validity of this alleged debt shall not be construed as my admission of liability! 
15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
These abusive and deceptive actions have caused a denial of credit and Midland Credit Management , Inc is liable to me for actual damages sustained due to violations committed under the FDCPA. I have proof that Midland Credit Management , Inc has a history of committing identity theft against consumers by furnishing inaccurate items on consumer reports without conducting a reasonable investigation beforehand. See attached consumer complaints pulled from the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Navient Solutions, LLC.
State: SC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On Monday XX/XX/2019 at XXXX EST I spoke with XXXX XXXX in the Rate Reduction Program Department. I advised her of my concern. She asked a couple of questions regarding my request to apply to the rate reduction program. Follow a brief hold she provided the results of the review. I was not satisfied as the rate of 5 percent increased to 8.5 percent. Once I challenged the rate increased her behavior became very aggressive thus making me become very assertive. She would not provide any details around the rate reduction programs and declined to provide any feedback around the changes to the program, noting this she does not have to disclose that information to me. I feel Navient/Sallie Mae takes advantage of their clients. As a result my payment has increased from {$430.00} to {$530.00}. This is absurd and I don't know how to combat this. I was very vulnerable so I gave in to the new payment as the regular payment is around {$700.00} a month. Please Help!! Sallie Mae/Navient is really taking advantage of their clients. I don't know how they are allowed to continue to service loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: JPMORGAN CHASE & CO.
State: CA
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:
XX/XX/XXXX I applied for Chase slate credit card I was approved & soon I received my card, I started using the card for shopping and making balance transfers, suddenly on XX/XX/XXXX I received a letter form Chase card member services sating that the account is closed, I was extremely shocked I tried calling the 800 number and finally I was able to speak with a customer representative and he explained to me that the reason they closed my account was that they saw in their files that there are XXXX delinquent credit card accounts from XXXX & XXXX under my name I explained to the person on the phone that how can that be this is something impossible since I only Immigrated to USA on XX/XX/XXXXalong with my family etc. He answered that the Chase bank has take decision to close the account and there is nothing I can do about it..I wrote a letter to them providing information about the Identity theft that was a victim of and provided police report and wrote a rebuttal letter explaining to them that again that I am a ID theft victim and I dont have anything to do with the accounts opened back in XXXX & XXXX I did not authorize anyone to open accounts in my name I dont have only in XX/XX/XXXX applied for chase slate credit card I never dealt with Chase bank or Chase credit card before. 
Until now there is no action from chase to reopen my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Inquired on XX/XX/2022 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