BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-23
Company: Collections Acquisition Company, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Again, this fraudulent debt has been disputed with Payliance thru the credit bureaus several times. Their company name listed on XXXX is Cybercollect and Payliance on XXXX. So from now on all of my complaints with this company will be handled thru The Cosumer Finance or the FTC. I've attached my official statement of ID Theft for this account. If this isn't removed from my credit file I will go further with the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Bread Financial Holdings, Inc.
State: NV
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 a loan with XXXX XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX XXXX/XXXX  with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Netcredit is a company that not interest in listening to any complaint or trying to work with the me to help because I can't pay the high amount of interest and the very little amount going towards the principle that is unfair and wrong for anybody to have to do. 
I am not trying to not pay them but I have a problem with them trying to lock me in a five year loan which they seek to collect three time the loan amount they gave me. I am a XXXX Veteran that gets a monthly check that all I have to live on for Netcredit to do this is shameful and disgraceful. PLEASE HELP..!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
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:
On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 it is plainly stated that a failure to investigation. These items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and many have got into the hands of the wrong person. 
Following up with Equifax over the phone on XX/XX/XXXX I was told the items will all be removed immediately from a representative confirmation # XXXX. He told me all I had to do was update the FTC report with the correct account numbers in which he provided. The rep stated it should be updated within 48-72 hours. the rep provided me with a fax number XXXX. I called back again on XX/XX/XXXX and another rep said he would delete them and my account will be updated in 48 hours just give the system time to update confirmation XXXX agent XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 I deposited my inheritance check at JP Morgan Chase branch in XXXX XXXX FL. Chase collected the funds from XXXX XXXX XXXX PR on the XXXX of XXXX. On the XXXX I stopped by the bank to check status. They informed me my account was restricted due fraud. I have a receipt for the deposit which indicates funds would be available on XX/XX/2018. So far on XX/XX/XXXX, they have not released my funds. The bank in PR corroborated they paid Chase. On XX/XX/XXXX my attorney sent them all the legal papers from my father 's estate. They totally ignored my attorney and me. Last Thursday someone called to say they reopened my case. I did not think a case could be closed without resolution. Still she would not tell me when will my funds be released. For 2 and a half month they have held my funds illegally. No explanation only lies. They refuse to call the bank in PR. They collected those funds in cash on the XXXX XXXX. They did not need to ask for any documents and yet we provided them a month ago. I have been ignored and think they are profiling. I desperately need help. 

Will appreciate any help you can provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Owed American Express the payment was on time was not late was advsed by a Representative that the payment was not received when it fact it had been. Called my bank they cofirmed the payment to be recieved by American Express. Spoke with another Representative at American Express and was advised that the account would be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Superior Adjustment, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The credit check is reporting incorrect info I signed an agreement with the chiropractor for XXXX $ not XXXX . I had insurance at the time which paid for care. 

Told people that werent me I owe XXXX grand also told me to get a job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-12
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX  XXXX has been stalking me. They call my house and cell and say theyre going to contact my job or they have. Im in maternity leave. Its a Robo call threatening to sue me and find me at my job. I finally called them back last week and spoke to a XXXX XXXX. She said look for your documents in the mail our records say otherwise when I said I dont owe anyone. She said I owe CitiBank. Ive never done business w them. I asked for the company name and she gave it. I asked for a mailing address and she refused. 

Today!!! They called again so I called Citibank directly. They have no record of me using my social ( as I expected ). They told me not to give out any info Bc its probably a scam. 

My issue is I want them to STOP calling me. The number they leave is XXXX. The case number they leave is 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 2018-08-17
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit collection agency representing whomever your Client is has  violated the FCRA by not providing documents to me in regards to this debt. 
I am unaware of this creditor and have not received anything that pertains to this debt. 
This account is unverified and immediately needs to be deleted from my all credit files : Equifax. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation other than a bill that they printed, they need to retract this from my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My credit card was rejected at a restaurant recently. When I called to see what the problem was, I was told that I had tried to log in previously and had not completed the log in procedure. As I then recalled, I had tried to log in, and a warning said that I would need to receive a code from my XXXX or Smart Phone. As that is not possible, I chose the option to receive the code from my email address. No code arrived. 

When I called the help desk after my credit was declined, the representative said that I would need to send a picture of my drivers license taken with my cell phone and send it to them. After, again, explaining that was not possible, he said that I would need to fax my drivers license to him. If I dont have a cell phone, I am unlikely to have a fax machine ( Does anyone fax anymore? ) I am XXXX years old and do not think that I should have to own an XXXX or Fax machine to verify my existence. Isnt giving the correct answer to my mothers maiden name, last 4 digits of my social security #, and answers to the 3 security question that I had given them to set up the account adequate? 

The case number that Capital One has for this isXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Amsher Collection Services, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I not only dispute the debt validity because the debt originated from internet service I was not able to receive because of a defective device but two different statements clearly show a final balance of {$200.00} - NOT {$520.00}. 

XXXX turned over my account to Amsher collections & I responded immediately to dispute the legitimacy of the debt & uploaded my dispute to Amshers website. But Amsher Collections submitted my account to the 3 credit reporting agency anyway, for more than twice the amount.

I had an " Excellent '' credit score on my credit reports until this debt arising from a dispute over the validity of this debt. It stands to reason that it would be a conflict of Amshers interest to give me a favorable ruling because they get revenue from collecting XXXX unpaid accounts. Amsher then extorts people like me to either pay up or they will hurt my credit.

Please help me to get my Excellent credit rating back because the way this matter is currently being handled is tantamount to extortion i.e. whether I actually owe a debt or not is not relevant and if I dont pay them, they will tarnish & keep tarnishing my excellent credit score by making it appear the debt collections is for a valid & ligitimate debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
inaccurate information, no knowledge of accounts, FTC and HIPPA violations

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 2021-10-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This is about the complaint ID XXXX Case is not close .I do reject the settlement offer by XXXX. 
Attached his letter dated XX/XX/2021 and my response dated XX/XX/2021XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent the collection agency on XX/XX/18 a 30 day notice to respond, A Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed and validation is requested. 



No response was giving .... 

On XX/XX/18 I also sent a HIPPA validation letter that also got NO response. 

My most recent letter do to the NON responses was another follow up letter on XX/XX/18. 

I also have contacted the credit bureaus XXXX, XXXX which I asked what method was used to verify this account and both has notified me that the debt has been verified without any proof according to the law to provide evidence as each individual is required to do so submitting evidence to dispute. 
XXXX actions was my evidence the debt didnt belong to me because they removed the collection account do to it unverified status.

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 2021-06-25
Company: EQUIFAX, INC.
State: MI
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 HAVE BEEN IN CONTACT WITH EQUIFAX ON MULTPLE OCCASIONS ABOUT THIS INCORRECT ACCOUNT STATUS. THEY CONTINUE TO IGNORE MY REQUEST. I HAVE CONTACTED THEM, THE CREDITOR HAS CONTACTED THEM AND THEY REFUSE TO CORRECT MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ( FCRA ), the following ( 4 ) Creditors have violated the rights afforded to me by the FCRA.

NOTE : The " Account details '' for the 4-Creditors listed below are noted in the following " Fiar Resolution '' section of the complaint. 

The following Creditors have violated the rights afforded to me by the FCRA : 1. XXXX XXXX BANK - Account Number : XXXX. 
2. XXXX XXXX - Account Number : XXXX. 
3. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - Account Number : XXXX. 
4. XXXX XXXX XXXX ( Original creditor : XXXX ) - Account Number : XXXX. 

XXXX**The ( US Consumer Laws ) in accordance with the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A ( Section 2 ). States that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B. States that acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22
Company: Armor Systems Corporation
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to get verification of this debt from Armor Systems. They have refused to send me documents that  fully verified the debt. I have got some paperwork from them but it was only screenshots and no paperwork showing a contract of myself actually owing this debt. Also, failed to show a wet signature proving that this is my alleged debt. I will attach my mailed requests to this complaint. Armor Systems has been taking my state tax returns for 3 or 4 years without full verification of this alleged debt. They will take this current year 's state tax refund from me as well.

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 2019-05-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2019, Equifax signed and received a certified letter from me through us mail, I asked Equifax for a Method of Verification the 15 days allowed has passed. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give you method of verification within 15 days of your request. This should be hard evidence that goes all the way back to the original creditor. Equifax is in violation with the FCRA I am requesting the items be deleted based on the credit bureaus lack of compliance with the method of verification. Equifax confirmation dated XX/XX/2019,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: CL Holdings LLC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Had cell service the service however didn't work in the area I lived. My complaints caused the phone company to suggest updating my cell which I did and didn't improve my service so with multiple complaints of dropped calls and inability to make calls XXXX released me from contractual obligation the failed upgrade put me in.I wasn't under contract prior to upgrade and was month to month until the update they recommended Since I was released and needing service I found a new carrier. It was when I had already opened new service that I called XXXX to see if I was expected to return the old phone and the rep on the phone didn't know about my account and told me I would be charged? I purchased a new phone and service and XXXX expected me to honor the contract I was told I was released from?? I was a customer since the mid 1980 's  and am disappointed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23
Company: EQUIFAX, INC.
State: IL
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 sent out letters requesting an investigation and validation of debts on my report last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Debit card expired and I didn't receive a new card. The bank will not let me into my account to review deposits and pay bills until the new card arrives. XXXX, the customer service manager said it is Citibank policy to not allow customer access to their checking account unless they have a valid debit card. I'm unable to log into verify year finances and pay bills.

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 2019-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On or about XX/XX/XXXX and XX/XX/XXXX and on or about XX/XX/XXXX, I called Capital One to explain my financial situation and having recently been on XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXXXXXX I called to request account to be closed without incurring additional interest due to my unpaid leave and lack of finances while in family medical leave. Capital One said my account had already been closed but continued charging me high interests. Additionally, even once I borrowed money, on or about XX/XX/XXXX, to pay minimum due for account not to be charged off, Capital One continued to report late payment even while I made minimum payments through XX/XX/XXXX. Furthermore, at several times Capital One blocked my access to view account/bill/summary/statements not allowing me access to make payments. On XX/XX/XXXX, Capital One sent me an email stating my account would be charged off in less than 30 days, without ever specifying the date. 9 days later which is less than 2 weeks when I attempted to view my account, my account had already been charged off. Capital one harassed me on a monthly basis, they discriminated against me for being XXXX and being on XXXX and XXXX XXXX XXXX XXXX. Capital One offered solutions without results after they said they would stop reporting late payments to all 3 credit bureaus, stop interest fees and closed my account without allowing me access my account multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have repeatedly had to submit complaints about several separate times of this company calling more than one time per day leaving message. After the frist complaint they said they would stop doing that because that was wrong. It still continued. 4 separate days I had 2 voicemails and I again made a complaint but nothing was done again. I got a call today Monday XX/XX/XXXX and they left a voicemail that did not state the company name but did give a phone number to return their call and the message stated that payments made recently would not clear the deliquieny status of the account and that I should call to see if there are any options left. I called the company and all they said was that they would review the call and do internal training. This company continues to call and leave multiple voicemails on same day and has now left messages about collecting on a deliquent account and has not corrected thier behavior.

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