BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-03
Company: Experian Information Solutions Inc.
State: AZ
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:
XX/XX/XXXX XXXX XXXX- I have never had an account with XXXX XXXX XXXX This is a debt collection agency that is reporting the wrong debt, This does not belong to me. 

XX/XX/XXXX XXXX XXXX-I have disputed with this company and got no reply or more than one occasion. This is not my account. 

XX/XX/XXXX XXXX XXXX XXXX I have disputed with this company because they are reporting the wrong dates. This is account is over 7 years ole which means it should not be reporting to my credit according to law. 

XX/XX/XXXX XXXX XXXX XXXX-This is a fraudulent account. 

XX/XX/XXXX XXXX XXXX-I have disputed with this company. This debt DOES NOT belong me.

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 2020-05-15
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS AS WELL PURSUANT TO SECTION 609

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: NJ
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:
some one has stolen my identity and has been using it for years. Every now and then new account that I did not open appear on my credit. Weird letters are coming to my house and I am getting weird phone calls. I never every in my life opened a XXXX XXXX rewards card but they keep on appearing on my credit report with a high balance and late payments that account does not belong to me and I have been trying to get this resolved for years. 

I have a fraud account that has popped up on all three of my reports named XXXX XXXX I do not know what this is or neither did I authorize this account. These accounts are FRAUD AND I DID NOT OPEN THESE ACCOUNTS. SOMEBODY IS PRETENDING TO BE ME AND OPENING ACCOUNTS and I do not know how when I have a fraud alert on my reports. 

There are fraudelent inquires from XXXX/XXXX  XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX I booked itinerary # XXXX ( XXXX XXXX booking ID # XXXX, e-ticket # XXXX ) through Chase Ultimate Rewards portal using XXXX ultimate reward points with a cash value of {$700.00}. This was for a round trip flight to XXXX, XXXX with dates XX/XX/XXXX-XX/XX/XXXX. 

On XX/XX/XXXX XXXX suspended flights to the USA effectively making my itinerary impossible. 

On XX/XX/XXXX, I received an email from Chase stating my original flights booked were no longer available, which reflected XXXX continued policy of not flying to the USA.  The email from Chase stated that one of my options was you may request a full refund instead of rebooking a new flight. I replied, stating I would like to accept the offered refund. Chase never responded. Chase never refunded me, nor did they cancel my itinerary. 

On XX/XX/XXXX, the day of my original flight, I received a phone call from a XXXX XXXX agent reminding me NOT to show up at the airport because there WAS NO FLIGHT departing from the USA to XXXX. She reiterated that my flight had been cancelled and that I should request a refund from Chase. 

Since then I have sent 5 additional emails to chase requesting a refund. Several were ignored completely. Other time I received a reply stating I was only being offered a travel credit. Since I rejected the travel credit and requested the refund I am entitled to UNDER LAW, Chase has not responded at all. Per DOT law I am entitled to a REFUND to my original method of payment. 

My 6 emails to Chase requesting a refund have been dated ( and are attached in the supporting pdf documentation ) : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( a second email ) XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
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:
My identity was stolen and I XXXX provided proof to the credit reporting Bureaus. Per the FCRA they must remove these Erroneous trade lines within 4 business days. XXXX and Equifax have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: C/C Financial
State: IN
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 XXXX of XXXX, I noticed 30 days late on my XXXX  XXXX  report. This was from Merchants Preferred. This account was paid off. The 30 days late were reported from XX/XX/XXXX. This is inaccurate as I paid the loan off in XXXX. I had also made previous payments in XX/XX/XXXX, XX/XX/XXXX, etc. I disputed this though XXXX  twice and Merchants said their information was correct. This Blemish is now holding up mortgage approval for my new home. I've reached out to Merchants Prefered and asked for assistance reviewing the payment statements but they refused to help me. I was able to obtain their payment history which shows I did, in fact, make a payment in XXXX and paid off the account in XX/XX/XXXX. I was not 30 days late in XXXX of XXXX and they will not delete this from my credit report. 

Creditor : Merchants Preferred XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX GA 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 2018-04-23
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This bunch of idiots with the IQ of 30 does not understand English. They have called me 16 times in the past four days including phone calls as late as XXXX at night. The debt they are claiming was turned over to a debt settlement company. I informed them of this and they told me they did not care. The debt settlement company also informed them of their involvement and obviously they did not care because they kept on calling.

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 2020-06-04
Company: AMERISAVE MORTGAGE CORPORATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I have applied for a refi with amerisave mortgage and they took XXXX from my account. I applied XX/XX/XXXX and since then I have had minimal to no response from any of the loan officers, managers, or anyone from that company. I have given them all the needed documents to finish the refi but now that they have the XXXX from my checking account I hear nothing from them and I don't know how to get my money back. they have mad me suffer thru this for weeks now and I'm very upset. I have XXXX XXXX and other health problems and I'm getting sick over this. 

I have tried numerous times, left hundreds of messages and no one is responding. 
I need help with this. can you please advise. 

this is the loan officers info : XXXX Started XX/XX/2020 Loan Type Refinance XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Status In Process Loan XXXX XXXX XXXX XXXX XXXX here is the other person who never returns my calls or emails : its been a month now. 

Loan Processor XXXX XXXX NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, i've tried every phone number I can find for that company and everyone of them know its me calling because of my number. they won't answer the phone if they see my number on there end. they hang up on me, pretend I can not hear them and hang up. 
try there customer service and no one answers. 

I've been ripped off bad and I don't want this to happen to anyone else.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: AmeriCollect
State: SC
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:
I received credit alerts from : XXXX XXXX  and XXXX that Americollect inc., company flagged my accounts for collection. Americollect inc., flagged my credit file with inaccurate collection information on XX/XX/XXXX, and XX/XX/XXXX. 
Their account was opened on XX/XX/XXXX : I have not received any goods or services from Americollect inc., and I do NOT now nor have I ever agreed to this contract! Proper documentation from Americollect inc., was NOT provided to NAME to allow Americollect inc., to verify the accuracy of their data before placing their account with the credit bureaus for collection. 
Americollect attempted this same tactic in XXXX of XXXX and was unable to validate their accounts. As a result, each credit bureau immediately removed their accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX XXXX I sent certified mail to the following Credit Bureau XXXX, Experian and XXXX. I sent a letter requesting that they investigate three negative items on my account and requested that they be deleted because the information was not correct and I did not owe the companies who added this to my credit report. 
The accounts that was falsely reported : * XXXX XXXX XXXX with a balance of XXXX open XX/XX/18. ( false reporting ) XXXX XXXX XXXX of AZ the amount XXXX *XXXX XXXXXXXX XXXX XXXX . 

I have made several attempts to contact these companies to no avail so I reached out to the credit bureaus for final assistance in removing these items. 

It has been well past the 40 days and I have not received any updates concerning my request or letters sent in to validate, investigate and remove the accounts. 

No response from either of the credit bureaus is in direct violation of the fair credit reporting association. 
please help me in resolving this issue. I am asking them to remove the items since I have received nothing validating these accounts that are falsely reporting on my account. 

I am attaching proof of my certified numbers attached to the mail I paid for and sent to the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Medical Data Systems, Inc.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
During the summer of XXXX I had tests done at XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX My responsibility for that testing came to {$420.00} which we paid with a check that was cashed by XXXX. This was about the same time that XXXX started using an off-site billing service. They no longer have anyone within the medical group that you can call and speak with. The bill ended up being sent to a collection agency that contacted us. We provided that agency with the check number and the financial transaction number along with date of payment, XX/XX/XXXX and when the check was cashed. The electronic check number sent by XXXX XXXX  was XXXX processed on XX/XX/XXXX, confirmation number XXXX was told at that time that the issue was resolved. Apparently on XX/XX/XXXX XXXX sent this account to another collection agency. I just got off the phone with them where they initially said the bill was {$100.00} more than originally stated, When I called them on it they stated they had misspoke and the bill was {$420.00} and they confirmed that it was sent to them by XXXX. When we try and contact anyone with the XXXX system we are transferred to their contract billing office and told the amount was sent to collection.

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 2018-04-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I didn't authorize any company to open my credit report please have this credit increase removed immediately XXXX XXXX XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, Used Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type All Banks Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Filed XX/XX/XXXX Type Telephone Companies Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-NY Date Filed XX/XX/XXXX Type Telephone Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Debt Recovery Solutions, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
on my credit report under all 3 credit bureaus, its shows multiple entries for the same debt ... 
this debt is not even mine. 
called the collections companies and they state they show nothing for me but yet leaves it up to me to clear out of my credit reports. 

XXXX XXXX XXXX XXXX called XX/XX/2020 @ XXXX ** they have the following debt listed 2 times on my credit report- XXXX XXXX XXXX XXXX {$2200.00} Debt Recovery Solutions XXXX called XX/XX/2020 @ approx XXXX ** they have debt listed 1 time- XXXX XXXX XXXX   XXXX {$2200.00} I also called this " XXXX XXXX XXXX XXXX  '' @ XXXX on XX/XX/2020 @ XXXX and after review they DO NOT have anything listed for me as a debt, not sure why 3 entries to 2 different credit agencies would have this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have attempted to dispute inaccurate information on my credit file with Experian for almost a year. I started disputing the incorrect information in XX/XX/2019. I have sent several letters disputing the inaccurate information in accordance with The Fair Credit Reporting Act and the Fair Debt Collection Practices Act and my request were completely ignored. I have sent certified mail providing proof of my identity which included a copy of my driver 's license and social security card. After several failed attempts to dispute the issues on my report I had to make several phone calls. Each time I spoke with an Experian reprehensive I asked them to provide evidence according to Federal Law of their findings of the investigation conducted and I was told that they do not have to provide me with any proof. Experian 's total disregard for federal law has taken a toll on my life regarding my finical well being and access to improve my credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Jon Barry and Associates, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently pulled my credit to see where I stood to purchase a home. After looking at my credit I saw these medical collections I reached out and asked the companies to send verification and validation of my dept on XX/XX/2020 they only played games threatening me and asking me to claim the debt. I asked to prove that the debt was mine and I was told that the police will come and get me and that I would be sued. 

I asked the company to stop calling me. I have no other choice but to see help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Cavalry Portfolio Services proceeded to place a collection item on my credit report for their client XXXX without ever sending a notice of right to dispute. I contacted them several times to delete the adversely reported item and they refuse to do so. I requested validating information identifying me as the owner of this account and they have not been able to send me anything that indisputably identifies me as owing this debt to XXXX yet outright placed the item for collection on my credit report. I demand the immediate deletion of this adversely reported item on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: NJ
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:
****Hello, My name is " XXXX XXXX XXXX, I have been trying to correct my credit report over the past year but it seems no success. According to my recent credit report request from XXXX  there are several inaccurate accounts on my report. I notice that all of the name, addresses, employment information and all the hard inquiries are incorrect. There are also some derogatory accounts that are not belong to me or our association that I demand removal as they are in violation of the following applicable credit reporting laws : XXXX** 15 USC 1681623 ( a ) of FCRA/FACTA ****I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. Here are all of name, addresses and employment information  that need to be removed : **************************************************** _NAMES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX _EMPLOYMENT INFO XXXX XXXX XXXX % % % % % % % % % % % % % % % % % % % % % % % _ADDRESSES REPORTED XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX ************************************* _HARD INQUIRIES *XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX **XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  ( XXXX XXXX XXXX XXXX Inquiry :  XXXX. XXXX, XXXX + XXXX XXXX  ( XXXX ) XXXX _XXXX XXXX XXXX : XXXX XXXX XXXX Reported : XX/XX/XXXX {$400.00} XXXX XXXX Reported XXXX XX/XX/XXXX {$640.00} ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: EQUIFAX, INC.
State: PA
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:
{$480.00}. Was satisfied XX/XX/18, however Equifax did not remove derogatory status from my credit report. {$190.00}. Was satisfied XX/XX/18, however Equifax did not remove derogatory status from my credit report.

Company response to consumer: Closed with explanation