BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-05
Company: Capital Management Services, LP
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Capital Management Services , LP regarding a debt that I do not owe. I sent the following letter to Capital Management Services , LP : This letter is sent in response to Capital Management Services , LP attempt to collect a debt. Correspondence from Capital Management Services , LP was received via USPS on XX/XX/XXXX with a letter dated XX/XX/XXXX.  Consumer rights under the Fair Debt Collection Practices Act, Section 803 requires a response to the information received from Capital Management Services , LP within 30 days. Capital Management Services , LP should be aware of their obligations under FDCPA Section 809. 

Let Capital Management Services, LPs records show that I dispute having any obligation for this debt. Further, Capital Management Services, LPs statement that, This company has been engaged by XXXX XXXX  to resolve your delinquent debt of {$17000.00} is false. XXXX XXXX  records show that XXXX XXXX  has NOT engaged with Capital Management Services , LP to collect the referenced debt. ( XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX,  XXXX XXXX  MST ) Should Capital Management Services , LP choose to report this debt to a consumer credit bureau, it is important to recognize reporting information that Capital Management Services , LP knows to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. 

Should Capital Management Services , LP pursue a judgment, the judge will be informed of the dispute, erroneous debt collection activities and credit reporting, and a request will be made to dismiss the case based on Capital Management Services, LPs failure to comply with the FDCPA. 

Also, be advised that I am keeping very accurate records of all correspondence with Capital Management Services , LP, written or otherwise. Given the number of consumer complaints filed against Capital Management Services , LP with the Federal Trade Commission, the State of New York Attorney General, and the Better Business Bureau, I too will not hesitate to file complaints with the Colorado State Attorney General ( violation of CFDCPA Section 5-16-107. False or misleading representations ) and the FTC regarding Capital Management Services , LP continued collection attempts. 



I have once again been contacted by Capital Management Services , LP regarding this erroneous debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: United Revenue Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have requested as recently as XX/XX/2020 that XXXX investigate the accuracy of of reported accounts from United Revenue Crorporation. XXXX says they do not have to investigate despite multiple requests including but not limited to a request from XX/XX/2020. United Revenue Corporation has reported inaccurate records that are in direct violation of FDCPA and Texas statute SB 1264.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a negative account on my account from XXXX XXXX XXXX. This account has not been validated. I would like this account deleted immediately. Its against the a FCRA to added false information on my credit report. I Would like this item removed. There will be attachments that was sent to me from 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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-03-08
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XX/XX/2019 I receive a voicemail threatening to take me to court over a credit card debt. XX/XX/2019 they called again. They even quote a new address that is associated with me. They called me last week as well. And emailed me payment processing. I email them back telling them do not contact me again I asked for an email address so I can send them a letter that an old debt is paid for. They want to try and validate my letter stating my debt was paid. They said it should have an Id number they hang up said I should pay my bills and Id get something delivered at the new address they gon na contact my job

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 2020-11-06
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed that on my credit reports, an account appeared, from National Credit Adjusters. To this day I have not received anything from them in writing, but they are reporting every moth that I am late on a payment. Once I saw them on my credit, I sent them a certified letter asking them to provide information about the account, such as signatures by me, collection activity, and account information. This particular account has been sold or referred to collection twice, which I outline in the certified letter. The letter was sent on XX/XX/2020 and delivered to NCA on XX/XX/2020. There has been no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: WELLS FARGO & COMPANY
State: CA
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:
These credit inquiries were unauthorized and need to be removed from my credit report immediately.

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 2019-08-22
Company: Westlake Services, LLC
State: CA
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:
These credit inquiries were unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
These Inquiries were unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: ALLY FINANCIAL INC.
State: CA
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:
These Inquiries were unauthorized and need to be removed from my credit report immediately.

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 2019-08-22
Company: JPMORGAN CHASE & CO.
State: CA
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:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22
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: Old information reappears or never goes away

Complaint:
XXXX sold my account to second round and both companies are showing that I owe for XXXX accounts. XXXX can not resolve the issue.

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 2020-05-24
Company: Millco Management
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:
A debt verification letter was mailed to Amerifinacial solutions. In turn they mailed a bill which contained a diagnosis code of my visit. I did not authorize amerisolutions to obtain my health information and thus is said to be a HIPPA violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo lied and unclear about them paying the insurance. 

I received an email from XXXX ( XXXX ) on XX/XX/XXXX. I complained to Wells Fargo a few days later. I spoke with XXXX ( ext XXXX ). XXXX told me that she will get back to me after find the issue. She called me back on XXXX said the mortgaged was paid correctly on XX/XX/XXXX. I asked for a confirmation number to make sure it was paid. She said she will send it to me via my email. I have not received any emails from XXXX so I call her back on XX/XX/XXXX. She said it is paid and nothing else can be provided. I called XXXX and talked to XXXX who was very helpful and he called Wells Fargo for me and find out that there is an issue with the check sent from Wells Fargo on XXXX. He said Wells Fargo agent told him that another check was sent later XX/XX/XXXX which is still pending to clear. 

I need Wells Fargo to improve their awful customer service. Also, their messaging system won't even let me see old messages. Wells Fargo should fix this ASAP and shame on them for the terrible service.

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 2020-05-21
Company: EQUIFAX, INC.
State: LA
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:
someone used my info to get medical treatment at the er and i apply for something else idk what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase has resolved the issue, and the check which was sent was returned in error as the package wasn't correctly addressed to the recipient please could it be resent to the address provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-21
Company: Santander Consumer USA Holdings Inc.
State: CT
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:
these accounts dont belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. CHRYSLERCAP Account XXXX : XXXX 4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Fidelity National Information Services, Inc. (FNIS)
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:
i have a fraud account on my chex systems  report from XXXX  XXXX XXXX and i want it removed and blocked from reporting under the FCRA and chex systems  is refusing i have an id theft report from the ftc and police report i sent them

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 2019-06-03
Company: ENCORE CAPITAL GROUP INC.
State: UT
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 XXXX XXXX continues to report an account involved in fraud and unauthorized use of my name. The account was involved in fraud and debt that I never used. Nor authorized. The card was never in my possession. 

I filed a police report in regards to the matter back in XX/XX/2012 as the card was stolen when my house was broken into and then my house was flooded. Due to moving and living situations I never had a chance to resolve this matter. 


They can request a copy of Police report - # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Experian Information Solutions 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:
To whom it may concern : THese accounts do not belong to my, and needs to be remove from my credit, I have been victim of identity theft due to pass and recent data breaches my information had been expoused resulting in this fraudulent accounts.

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 2020-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent several letters to Equifax showing them that there are accounts reporting as collections on my credit report that dont even have a collectors name on them. And Equifax only responds by saying the accounts are verified as accurate. How can these accounts possibly be accurate if they dint even have the name of the company reporting them?! And why isnt Equifax fixing this on my report? It seems like Im just send letters to robots and all they do is verify. These accounts are NOT accurate but Equifax keeps reporting them regardless? Some of the accounts dont even show I disputed them? Is Equifax allowed to just ignore the disputes the consumers send in? And just keep reporting the information incorrectly? Seems like there should be some regulations they have to follow? I will be contacting a lawyer about these three accounts and the fact that Equifax keeps reporting them even after I have reported their errors to them. 
Account : XXXX, Account : XXXX, Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: DE
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:
Company falsely stated that I paid on time for XXXX months on a inactive account. These XXXX false payments may, cause this inactive account of almost 7 years to reopen and severely damaging my credit for another 7 years. This account is set to end and exit my credit in XXXX of 2021. I strongly believe that these creditors are retaliating due to their time is coming to an end.

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 2019-08-09
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
Toyota financial services received refund from service contract cancellation in the amount of {$1600.00} on XX/XX/2018. The monthly payment for the car was {$330.00}. TFS applied {$1600.00} towards principal and reported 30d late on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020, I submitted information to Experian and XXXX  about fraudulent inquiries and a fraudulent account on my credit report. I submitted all my information along with supporting documents proving the activity was fraud, thus is very frustrating to me because it caused me to be denied on a home twice that Im trying to purchase. I dont understand why its so hard to remove the inquiries and the fraudulent account from my 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 2018-09-18
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXX XXXX and on XX/XX/2018 I opened a XXXX XXXX savings account with American Express XXXX XXXX. Over a period of two months I deposited {$300.00} dollars into the account and set an automatic payment option into the online system to deposit {$100.00} per month. The money has been deposited each time per this automatic payment. 

I recently logged into the account to find my account was closed, despite my continued depositing of automatic payments. I have called American Express XXXX XXXX   multiple times and they simply state my account was never opened. If I log into the American Express XXXX XXXX Website, it states my account is closed. However, when I check under XXXX XXXX, it states the account was opened on XX/XX/XXXX and my external banking source ( XXXX XXXX XXXX ) was linked. My bank statement from XXXX XXXX XXXX also shows this money being transferred to XXXX XXXX XXXX. 

Since the account was closed, I have not received any of the funds I transferred into this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I called Macy 's to discuss my pending balance with them, I spoke with representative named XXXX, ID # XXXX. XXXX stated that he could not take a payment over the phone, and that my balance was {$1100.00} and that they could not accept a payment over the phone. He advised me that I had to mail a payment to XXXX XXXX XXXX XXXX XXXX Missouri, XXXX. I found it strange, therefore on XX/XX/XXXX I called again and spoke with Representative ID # XXXX and she stated again that I had to physically mail a payment. However this time it was a different mailing address that was provided. I was given XXXX XXXX XXXX in XXXX, Arizona XXXX as the correct address to mail the payment. I was very confused and concerned, especially as once I advised the representative that just a week prior I was advised by XXXX to send it to a XXXX XXXX Missouri Address. Even more concerning, I was advised that the Macy 's does not have any XXXX XXXX Missouri payment addresses and that the address did not show up any where in her system as being a legitimate payment address for Macy 's. 

Now I don't know which is the correct address to mail my {$1100.00} to, frankly I don't trust either one of these addresses now that I have had time to reflect and consider the strangeness of this ordeal. Every financial institution I have deal has accepted payments over the phone, making it easy for me to rest assured my monies is being handed off to the correct party. Now I have doubts as to were exactly I can send this money to, and ensure that indeed Macy 's is going to be receiving it and applying it to my balance. How do I know my payment is not going to end up in the hands of a disgruntled employee or some other more nefarious situation? 

I trust that my date of birth of XX/XX/XXXX and last for of SS # XXXX will help you locate my account.

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