BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-03
Company: First Choice Assets LLC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Constant phone calls, when you answer the line hangs up! they keep calling my cell, my wife 's cell, plus my home phone!. They never leave a message!. So my wife called back the phone number, XXXX and was told that she was calling First Choice Assets. Then they asked to speak too XXXX Which is me. So my wife hands me the phone, and the person on the other end was XXXX, i cant remember his last name. It started out that he needed me to verify that i was XXXX by giving him the last 4 of my social security number, which i am sorry i did!! Then i ask XXXX what is this call about? He starts telling me that he is a dept collector, that i owe a balance from a medical bill which my insurance paid, and i am responsible too pay the balance owed.He tells me this is back in XX/XX/XXXX and the name of my insurance company was commercial medical ins. Now it gets better!, because he lets me know that this phone call is being monitored then tells me that i owe {$250.00}. I told XXXX that i have no idea what he is talking about, just send me papers and i will look at them. Then he goes into the next phase of his tactic 's asking me am i refusing too pay the balance owed?. Well by now i have reached my boiling point and lost it, i told XXXX yes i am!! especially to you! I might have cursed at him, because he raised his voice, which he did not intimidate me at all!! I told him to do whatever he has to due, and hung up! Also be advised that i did not have a Commercial medical insurance policy, and i do n't think they Exist.This phone conversation was on XX/XX/XXXX in the evening between XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Sequium Asset Solutions, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently Disputed this matter with XXXX XXXX, and XXXX Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a 601 goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was fraudulently used on XX/XX/19 in the amount of {$1200.00}, I received a text from the bank asking if this was my transaction, I replied no but they processed the transaction anyway. Causing my account to now overdraft they took the amount out of my savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Experian Information Solutions Inc.
State: AR
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 Called and spoke with " XXXX '' and " XXXX XXXX and neither one of the resolved my issue. I asked them who did they contact at the court house to verify the bankruptcy. They told me they do not have to provide me with verification of who the contacted and who they spoke with to verify my information. 

I have contacted the court house and also provided letters to the credit bureau and they have failed to verify my information. 

file # XXXX Experian and XXXX have failed to provider proper documentation to give me as a resolution to my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Scott Fetzer Financial Group Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2019 I and another person signed a sales contract with XXXX XXXX company with the given understanding of our rights to cancel out the contract within 3 business days in which we did sign the cancellation form at the given time the cancellation form was given to us by the XXXX XXXX salesman which did the contract he gave us the cancellation form he also explained we sign it and turn it in if we wish to cancel within XX/XX/2019 after signing the contract we came to a agreement to cancel out so we both sign the cancellation form on XX/XX/2019 forwarded a copy to XXXX as told XXXX refuse to honor the cancellation as agreed to. We called United Consumers Finance and told them about the cancellation but they later reported to our credit bureaus as a open account with them though It was a cancellation. We disputed the accounts as inaccurate information even though we sent in a copy of the Contract we signed with XXXX and the Cancellation for which was given to us by XXXX Representative sign by him and by us to all 3 credit bureaus XXXX, XXXX   and XXXX  still allow false reports damage our credit standings they said that if United consumers Finance tell them to keep it on our credit they has to do it. XXXX was rather rude they allowed one of us to file another dispute and rudely deprived the other person of their equal right to file another dispute as well We was told by a letter sent to us by United Consumer Finance that they will report to all 4 credit bureaus on us and that this will damage our credit that in the future we will not be able to use our credit to purchase a car or home we feel our rights and credit standings as citizen has been violated illegally very awfully by all 3 Credit Bureaus as well as United Consumer Finance company. We feel discriminated against also United Consumer Finance has reported on our credit report as good standing as if we were paying them which we never gave them a dime we told all 3 credit bureaus that they were reporting lies on our account but they still went along with them and did not take fair action. 3 credit bureaus supported United in their wrong doing and they still is at this point. So as far as we are concern XXXX, XXXX, and XXXX is no good to us as Citizens when it comes to justice and fairness What do they Care? Every dispute investigation The credit bureaus updated {$1700.00}. to be accurate in debt to United Consumer Finance reguardless of our documented proof but because United Consumer Finance tell them to leave it on our credit reports they do it XXXX!!! Yes we are seeking help to protect our rights because Credit Bureaus sure don't Wow they team up against you with the bad guys so consumers beware!!!! I would not wish this on my worst enemy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly a collection from XXXX XXXX, XXXX for {$3100.00} partial account number XXXX. ( Please see page 33 of the attached credit report. ) Attached is a copy of the Receipt from XXXX XXXX XXXX , XXXX, showing a payment of {$1200.00} was received on XXXX. This payment reflects this account has been settled in full. I was assured that once I made this payment the reporting bureaus would delete these line items from my credit report. I have contacted the bureaus to fix this on my credit report, however I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed 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 explanation
Consumer complaint received 2019-07-11
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: Their investigation did not fix an error on your report

Complaint:
Experian - On XX/XX/2019, I submitted my dispute for XXXX/XXXX showing I was 30 days late. Instead of disputing the 30 days late, Experian udpated the date of account closure. This was not even close to what I was disputing! 
Experian gave me a textbook answer that they reached out to the bank, they follow the law, and their investigation confirmed I was late. However, on XX/XX/XXXX, XXXX/XXXX sent me a letter indicating that they have sent a request to the credit reporting agencies to remove the delinquency from the credit report and to allow up to 45 days for the credit reporting agencies to update their records. It has been over 45 days and this is still showing as late on 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 2019-10-11
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Diversified consulting ( XXXX ) phone company I never opened a account in XX/XX/2018 and its still reporting thats it open and I have never open account {$1000.00} I contact company to see what could I do they told me they was investigating they never got back to me nor did I receive any more info

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-11
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Radius Global Solutions LLC Radius Reference Number XXXX Balance Due XXXX XXXX XXXX XXXX XXXX, MN XXXX Mail Code COMM XX/XX/2019 Customer Service - XXXX ext XXXX Refers to debt as XXXX BANK ACCOUNT XXXX XXXX XXXX No such account exists website provided was XXXX which is clearly fake and asks for last four of social to pay debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter on XX/XX/XXXX from my lender that my XX/XX/XXXX mortgage payment that was due XXXX XXXX, XXXX had not been received. The letter was dated XX/XX/XXXX. I received the letter 16 days later in the regular mail. The letter was mailed during the heavy holiday mail season. The 16 days spanned 4 weekend days, 2 holidays ( XXXX and XXXX XXXXXXXX XXXX XXXX, both Mondays ), and 10 business days. I received no phone call to alert me of the missing payment. 

I immediately went on my computer and paid the total amount due. I originally made the XXXX payment on my mobile app. I had been having problems with app crashes during the month, but the payment did look successful. I never realized the money was never transferred from my other account. On XX/XX/XXXX my phone was inoperable. It was evaluated at the XXXX XXXX XXXX on XX/XX/XXXX. Apparently, there had been a known bug that caused apps with notifications to fail that eventually disabled the phone. I did not know that my payment on the app failed until I received the letter from my lender. 

I provided proof to the payment research center from XXXX that there was an app failure. I complained that I had never been given the opportunity to address the missing payment because the letter was sent in the holiday mail and took 16 days for me to receive it. There was no effort on the lender 's part to contact me in a timely manner. I had no opportunity to correct the problem in time before the lender reported me to the credit bureaus. I worked so hard for so many years to get exceptional credit. My credit dropped 99 points as a result of the late payment.

I have gone through 2 escalations with my lender without resolution. The tech section noted app activity during when the payment was made, but can not confirm my sign in. They also said there was a " auto stop call '' placed on XX/XX/XXXX but could not explain it because I had never been late and thus I would not have been called then. They had no explanation for the 16 days their letter took to reach me. No provisions were in place for holiday mail. 

I have never been late in the ten years I have the loan. I pay the same way every month with the lender 's mobile app in good faith. If the technology failed, there should be a better mechanism in place to protect consumers. I do not believe that I was treated fairly as a consumer to receive a letter 16 days later that has destroyed my credit and will impact my life for 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have never gave my consent to the credit bureaus to expose anything on 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 explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 3rd 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 an alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
i check my credit report on XX/XX/2020 and notice an account from santander consumer usa reporting inaccurate information on my credit and i am requesting validation of this account because i do not recall having this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Diversified Consultants, Inc.
State: FL
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:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT DIVERSIFIED CONSULTANTS Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the  pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DIVERSIFIED CONSULTANTS I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24
Company: Olympic Collection Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After going to court on XXXX-XXXX-18 to attempt to come to terms with the collection agency (over a $XXXX   medical bill we couldn't afford at the time that bloomed to $XXXX  after the collectors got their hands on it) after months of trying to make good faith payments and being denied every time, the attending attorney (XXXX XXXX XXXX, XXXX  #XXXX) advised us that we have 30 days to contact the collector and establish payment arrangements (he stated they will be amenable now, he even provided us with the owners name, XXXX XXXX). We called and I talked to XXXX, she would not entertain anything less than full payment now, I requested to talk to the owner and she said he won't talk to me and eventually hung up on me. I received a call 1/2 hr. later from her boss, XXXX, and again no negotiations were suitable for him. I explained our situation to him and got the "so what" attitude, pay now! I explained that since I became too frail to work and my wife's sole income is supporting us and paying one lump sum would put us on the street in the middle of winter and he just didn't care. We are already skipping some of my other treatments and cannot afford some of the life saving medications I need. His "so what" attitude again prevailed. Then he mentioned that he had pulled up my wife's payroll and stated he would TAKE 1/3 payments to clear the account in 90 days. I asked him what law prevents him from taking payments? His response; ME! They refused to accept XXXX XXXX. that we could sacrifice groceries and daily essentials and still have a home, nope, not happening, so again, I asked to talk to the owner, and again he too hung up on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This Debt collection company has reported a negative credit report to XXXX, in which does NOT belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: JPMORGAN CHASE & CO.
State: LA
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:
On XX/XX/XXXX and again on XX/XX/XXXX an unknown individual used my information to cause Chase Bank to reverse several transactions causing payments not to be completed through several of my normal monthly payments. In turn, the excess funds were then withdrawn from my account using a debit card with my PIN number. I did not authorize nor did I perform any of these transactions. I reported to Chase Bank immediately when my payments were canceled and I was notified by my monthly account holder. All attempts to rectify the situation were denied claiming the use of the debit card was an individualized occurrence and would not be reimbursed. Chase allowed someone to access my account without my knowledge and refuses to accept that they are responsible for the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Conduent Incorporated
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My card was stolen and over XXXX dollars was taken from my account. I filed a fraud claim. EPPICARD denied my claim without giving me a specific reason as to why it was denied.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation