BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: Paramount Recovery Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022 I sent a debt validation letter to Paramount Recovery via certified mail requesting that the company validate a collection account. As of XX/XX/2022 I have not received any correspondence from the company validating the debt that is currently listed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: AZ
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:
YOU BROKE THE LAW Please carefully read the following. 

Under 15 U.S. code 1681b - Permissible purposes of consumer reports In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report.

The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card.

The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). 

I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft.

I demand you remove the following address and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX The following accounts I demand to have removed U.S. Bankruptcy Court XXXX XXXX XXXX. / XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX/ XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I dont ever recall giving you EQUIFAX any consent to furnish anything on my credit report nor did you ask for permission as you are required, im aware that i can opt of of your agency which has violated my rights but pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX allowing these inaccuracies to be furnished on my consumer report it has caused me major financial distress and has caused me to lose my confidence in the banking system. This has been an invasion of my individual privacy. If EQUIFAX wants to continue doing business with me, They should delete these inaccurate accounts off my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: JPMORGAN CHASE & CO.
State: IL
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:
XX/XX/XXXX {$120.00} XXXX annual membership fee was paid by Chase visa card ending XXXX. 
XX/XX/XXXX {$120.00} XXXX annual membership fee was paid again by XXXX XXXX card ending XXXX due to the payment made on XX/XX/XXXX by the card ending XXXX could not be found. 
XX/XX/XXXX Filed dispute against Chase XXXX ending XXXX for {$120.00} made on XX/XX/XXXX. 
XX/XX/XXXX Dispute was denied stating that " Our latest review confirms the transaction is valid '' XX/XX/XXXX Visited XXXX Customer Service to get refund at {$120.00} for double payment but the claim was denied due to the transaction made on XX/XX/XXXX has not been posted in their system. 
XX/XX/XXXX Phoned Chase visa card customer service to appeal the previous decision of dispute but denied due to allowed time frame has been past.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Credit Protection Association, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have informed this company many times in the last few years that this is not my bill. From the moment it showed up on my credit report I have tried to make them understand that I was not in the state during the time this bill came due. Credit protection said if I wanted to depute I could so I did. They then told me to drive to Kentucky from New York and file a police report in order for them to stop attempts to collect this debt. As a single mother veteran living off of XXXX I can not afford to do this and my local police department will not allow me to take action here. In the XX/XX/2018 and again in the XX/XX/2018 I contacted the company asking if they would accept a settlement because even though it was not my debt I need it off my credit report and had tried to find a way to take legal action but had come up short. Both times the company said they were unwilling to accept a settlement because I owed the debt and they had to " buy it at full cost. '' The second time I had spoke to the company in the fall I explained again that i was not in the state at the time and asked for validation which I never received.

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 2018-03-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There are 2 Accounts listed erroneous by your company. I am disturbed that you continue to list a dismissed file bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a XXXX  XXXX. This system is sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed dismissed or adjudicated for 10 years, The Fair Credit Reporting Act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case civil or otherwise which is dismissed no longer exists in the eyes of the law and the case file may have never been adjudicated. You have no right to obtain information which the government had deemed non existent. It is only fair that in accordance with section 1681 ( a ) of The Fair Credit Reporting Act you delete this from my credit report and send me an updated copy considering it does not require an investigation i would appreciate your response within two weeks from the date you receive this letter.

Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
So this goes back to XX/XX/2022 I received a letter in the mail that they were gon na take me to court and sue me if I did not pay debt by the end of the month. I waited till the end they didnt take action they just kept calling me and harassing me I have screen shots of the numbers they have many phone numbers. Midland credit XXXX  is the name of the company. So they never sued me it was just a threat come XXXX I got tired of the harassing phone calls so I was contacted by Two different Numbers the same day by midland credit I have a XXXX so it says midland credit and then the number XXXX XXXX I have them screenshot and also in my notes I wrote down XX/XX/XXXX at around XXXX XXXX  I was contacted by midland I told them that I wanted a debt validation letter and they said they didnt wan na go that route, they want me To pay in a payment plan, I said XXXX no we wont go the route you want we are going the route I want and she got upset they told me they were audio recording my call so I know they got that on file well after that I didnt receive a letter 30 days latter I waited and waited till pass three months and now I receive a letter again in the mail for a payment plan that I could do payments as low as XXXX $ a month and have till XX/XX/XXXX to respond honestly I am so frustrated and cant be in peace that they are after me for a debt that they can not validate on me if I have to I will sue them For reals for harassment and playing with my rights this is abuse and I hope you guys cant do something about it I have a lot of photo evidence against midland credit XXXX  they are a bunch of rats I have paperwork from up to a year ago they can not really provide validation only the bought information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-12
Company: Cottonwood Financial Ltd.
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/XXXX I, XXXX XXXX, mailed a letter to XXXX XXXX XXXX stating all phones are to be terminated immediately along with a settlement offer as well. On XX/XX/XXXX at XXXX ( Saturday ) a phone number ( XXXX ) comes across my cell phone, I answered thinking it was a job interview. It was from XXXX XXXX XXXX. I immediately hung up the phone and sent an email for them to terminate all phone calls immediately. I have proof of letter I sent in mail and also, email I sent them also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My Coinbase account was compromised. Ive filed numerous complaints with them to only receive an automated generic email. Its been about 2 months and I havnt heard an update or anything. After looking online this is a reoccurring thing with this company and their customer support is non existent. Its almost like theyre stealing your money when your account is compromised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The information for this account listed on my credit report is : XXXX XXXX XXXX, BALANCE {$1800.00}, OPENED XX/XX/2019, ACCOUNT 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 2023-03-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to buy a house so I spoke to a bank lender on what I needed to do to get started. My credit needed to get pulled to determine if I was able for financing. When they received my report they told me my score was to low for any type of financing for a home. I asked him why and I was showed my report. The accounts on my report are not mine. None of the accounts belong to me. I believe some one has stolen my identity. Please remove the fraudulent accounts from my report. 

XXXX XXXX, XXXX. 
XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX {$2600.00} US DEPT OF ED/XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX  XXXX {$930.00} XXXX  XXXX {$280.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: MS
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive never had an account with the company ( XXXX ) This account has been deemed Inaccurate and has already removed once and by law, once removed cant be added back to the consumer 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 2020-12-02
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was charged 12 basis points ( {$330.00} ) more in up-front fees for my mortgage loan in the days leading up to my closing on XX/XX/2020. 

In the attached you will see my original rate lock agreement stating I agreed to pay XXXX points to receive the interest rate. In the attached you will also find my draft closing disclosure which I continued to agreed to pay the XXXX points. This rate lock agreement was set to expire on XX/XX/2020. 

My closing date was originally scheduled for XX/XX/XXXX. 

On XX/XX/XXXX, I was notified that the seller would need to delay the closing. Considering my rate lock agreement was set to expire on XX/XX/XXXX, I called my loan officer to inquire about an extension. He said I had the option to get an extension for the 12 basis point fee. I recall him explaining that the fee changes daily so I should consider requesting the extension. However, he led me to believe that the extension could be taken off my file if I did not need it - which is why I agreed to it a week in advance. 

On XX/XX/XXXX, I was notified that the seller could close on XX/XX/XXXX. However, I still had not heard from the bank 's closing team so it was unclear to me if the Bank would be able to close on the XXXX given the CD waiting period ( and, relatedly, whether it would fall to me to require a rate lock extension if it was the Bank 's fault the closing was further delayed ). 

On XX/XX/XXXX, I was notified by the bank 's closer that we were on schedule to close on the XXXX, so I called my loan officer to tell inform him to take the rate lock extension off my file as I no longer needed it. His tone completely changed from our conversation on the XXXX and said the extension could not be undone. 

We further discussed the change and he said that I could take my business elsewhere if I was not happy with the service. Yes, the loan officer told me 48 business hours before my closing that I could take my business elsewhere. I requested to talk to the loan officer 's manager and the manager did not take off the extension. 

The extra {$330.00} fee was charged in the form of points on my CD, even though I never agreed to that charge in subsequent rate lock agreements. You will see in the attached that the loan officer and I signed the most recent rate lock agreement without the fee earlier in the week. However, the final CD still stated the fee and the loan officer said via email on XX/XX/XXXX that it would NOT be credited back. 

Now, this left me with two choices : 1. Pay the extra fee that I never agreed to.

2. Cancel the mortgage and throw away the purchase of my {$360000.00} home after months of time, energy, and money during the due diligence process. 

I chose ( # 1 ) to go through with the mortgage because I couldn't afford not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
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: Account status incorrect

Complaint:
XXXX XXXX is continuing to to show that I was late back in XXXX of 2018 when in fact, I was not. I submitted the payment before the account would be considered 30 days past due. However because of the payment cycles, XXXX applied the payment to the following month, instead of making the payment to current month that I originally made the payment. I have called this institution several times, and all they could do is send me statements. Even though XXXX is the CREDITOR they cannon change the information that the CREDITOR provided. Even when I disputed with the credit bureaus, Equifax, XXXX  and XXXX kept saying that the information was verified. So if the information was verified, and in fact not 30 days past due, then why is it still showing up on my credit report? This is my frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Mercedes Benz Financial Services
State: CA
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 would like to talk to someone at corporate for this dispute for my current lease of my vehicle. I have sent the same information to MB Financial Services ATTN : XXXX XXXX XXXX, this is just absurd that I am still dealing with these late payment notices/discrepancies on my credit report. This is my 2nd and last XXXX XXXX that I have and will buy/lease due to these issues. Now I have to turn in my vehicle which I plan on trying to sell instead due to the issues Ive had since becoming an Mercedes consumer. 

Ive submitted disputes with the bureaus as told by MB Financial and now I am having to email/write to a different depart to get this corrected. I went from ( 1 ) 30 day late incorrect reporting, to ( 2 ) 30 day late incorrect reporting. I am requesting these to be removed as previous indicated and confirmed by a MB Financial customer service representative. Look back at my calls, notes from XX/XX/XXXX/XX/XX/XXXX, I need these corrected and removed at being late. Thank you and look forward to dealing with someone at a corporate level. Have a great day.

This what I submitted to MB Financial.

Company response to consumer: Closed with explanation