BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: GA
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Experian Information Solutions Inc.
State: FL
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:
Just looked on my credit report today. Found XXXX XXXX, XXXX XXXX/ XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX. This is untrue. I am part of numerous data breaches. I had identity theft. I reported this already. I never ever! Asked for credit never made these inquiries. These need to come off. Experian and XXXX   credit reports. At this time XXXX XXXX is not showing these inquiries. These inquiries was not made or done by me. This was unknown with out my knowledge.

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 2019-09-28
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I SUBMITTED A VALIDATION OF DEBT REQUEST WITH NO ANSWER BACK.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Chase Bank was excessively charging me overdraft fees Of {$34.00} before the company policy time. The time I was informed from employees was XXXX est. I called in today XX/XX/20 to inquire about a overdraft fee that occurred after XXXX on XX/XX/20 and the employee told me the time is the bank access fees XXXX. This has been going on for awhile and Chase misinformed consumers to get extra money. The bank employees say different time and makes the consumer look like liars.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All three major credit bureaus, Experian, XXXX, XXXX. Have refused to erase fraudulent accounts as well as accounts 7 years prior and older on my credit report repeatedly unlawful updating, and refusal to delete after these accounts have not been verified as my accounts. Theyre refusal to identify these fraudulent accounts have brung nothing but hardship on my life after I have done everything by law to dispute these accounts. These fraudulent accounts and 7plus years accounts on my report are as followed : XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is fraud, i have never opened an account with yet they are reporting inaccurate information on my CR. XXXX on XXXX and XXXX on XXXX. i never signed a lease with the company they are representing and i never lived at the other company either. i have told them numerous times to remove this information, yet they keep it their expecting me to pay for something that is not mine. You all need to remove this stuff from my report now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2018 I used an atm inside a branch to withdrawal {$1500.00} from saving account and 5 minutes later I noticed that I am missing {$1500.00} from checking after the withdrawal, so the atm withdrew {$3000.00} but I am only received {$1500.00}. I missing {$1500.00} from my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-02
Company: Optima Advocates
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
i have been involved with Optima Student Lian Advocates since XXXX. I paid a loan of {$15000.00} for " services '' and am now being sued by XXXX XXXX XXXX for the original student loan balance of approximately {$14000.00}. My court date in XXXX XXXX, CO is XX/XX/XXXX and wonder how I should pursue this since an investigation into Optima Student Loan Advicates has been opened.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-28
Company: National Credit Adjusters, LLC
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
I have documentation that national credit adjusters, account number XXXX, reduced total do from XXXX to XXXX and I put XXXX towards the XXXX and have been paying XXXX by weekly without a missed payment, therefore my total should be approximately XXXX left on my balance, just need it to be corrected on my credit report, and I will be contacting national credit adjusters as well to get this corrected. I can send you the documentation that I have, if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Fed Loan Servicing has my student loans. 
For a year, I have been writing letters trying to have this debt dismissed due to all the fraud. 
XXXX XXXX opened unauthorized accounts and is now being sued. 
XXXX XXXX is facing 6 lawsuits. 
How can I be held responsible for a contract riddle with fraud? 
It has been 9 years since my education and I still have yet to benefit from this education. 
I have filled out 6 applications for loan discharge that have all been returned because my situation does not fit into their categories.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX  not only contacted associates that had nothing to do with my account, they disclosed information to the third party in regards to the debt. It was embarrassing, deceptive, intimidating. I asked XXXX XXXX to cease all calls, and I also informed them I want only written communication. They still call me! Even after I informed no more calls. This company should not be in business disclosing an individuals personal business matters to third parties and repeated calls after DNC

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 2018-06-24
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX, XXXX needs to be removed from my report. My insurance provider has already paid in full all debts owed. I intend to sue if this is not removed within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
https : XXXX This says it all. They are out and out a loan shark company no doubts yet CA allows them to charge 140 % in interest according to a lawyer total plus XXXX $ a day. You can never pay them back by payments. I paid over XXXX $ a month my and bill is bigger then ever. It does no good to contact them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: HCFS Healthcare Financial Services of TeamHealth
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:
ARS ACCOUNT RESOLUTIONS are still reporting information on credit without doing their due diligence. Per the FCRA a debt collector must notify you in writing allowing you the opportunity to dispute or at least investigate prior to placing any items on your credit report. 
I Was never notified that ARS was attempting to collect on a medical debt from XX/XX/XXXX by a third party. Per statute of limitations in the state of Texas there is a four year time limit with regard to this in the court of law. 
Recently I checked my consumer reports and disputed this on XX/XX/XXXX and ARS was  supposed to investigate this. It has been over 30 days and I never received a response or any documentation regarding my dispute. 
If this is not removed I am prepared to take legal action against this company.

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 2020-05-07
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased two tickets with XXXX last XXXX to fly on XXXX XXXX but last XXXX I got an email from XXXX telling me that they filed for Bankruptcy so my flight was cancelled and because I purchased before XXXX I wo n't get the money back. So I contacted Citibank to dispute the charges and they removed the charges momentarily but last week Citibank put the charges back even after I sent all the information and letters sent by XXXX and 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 2018-08-06
Company: ABR Recovery Services LLC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I saw my XXXX report. There was a collection item furnished by ABR Recovery Services. I had received neither phone calls nor written notice of this debt owed to XXXX. I have never had any business with XXXX. This is not my debt. I called ABR recovery services to inform them that this wasnt my account and they proceeded to give a account number, XXXX which they obtained from XXXX, the original creditor. I reached out to XXXX and they assured me that this wasn't my account and I have ties to this account. I attached a letter from XXXX stated that I am not affiliated with this account in no fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to a new company effective tomorrow and nobody ever provided any notice at all. The only reason I know is because of the welcome e-mail that I received today, 1 day before the transfer is effective. They are supposed to provide 30 days notice. Ditech did not do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXXXXXX XXXX was paid but the account is still reporting as late and in collection disputed this multiply time but hasnt gotten any verified information as to why this is so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
sent multiple letters asking for verification of this account and never received any documents which supports this negative reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Prior to XXXX XXXX, 2017 I reached a settlement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an account held by XXXX XXXX. I received a letter of satisfaction for the settlement and have asked that my credit report be updated to reflect this is no longer derogatory. Twice I have requested this and both times I received a report in the mail stating the information is accurate and will remain on my credit report. I have contacted both companies, XXXX assures me this account is settled and closed and that they did in fact notify XXXX XXXX twice. Any time that I have called XXXX XXXX they refer me to XXXX. I am getting nothing more than the run around and it is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I am being charged XXXX from Kia. It was never brought to my attention disposition fee to turn it in and a sales tax of XXXX. They say it was in the lease but i would not have bought it if I knew. They say if I lease of buy another car from them it will be waived, I am now XXXX and can not buy another car. Plus m6 car was XXXX miles under the lease agreement but they wont give me anyth8ng for that. Not fair. I can not afford to pay this. I spoke with the finance end of it and they said n9 way 8 have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XX/XX/2017 @ XXXX XXXX CST I tried to set up an account with an external agency, and CapitalOne is blocking me from enabling external applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified letter to Wakefield & assoc. XX/XX/2018 stating I did not owe them anything and requesting proof the debt was mine. They just blew me off.

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 2021-03-02
Company: ALLY FINANCIAL INC.
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is a follow up on complaint # XXXX Ally Bank has returned my funds in the amount of XXXX However they held my money denied having it sending my back and forth to XXXX until my Personal Banker finally was able to gain a tracker number. After a very lengthy phone call and my receipt on my complaint from your office Ally Swiftly returned my Monies. 

Now they Held my Money from XX/XX/XXXX to XX/XX/XXXX. I opened this account specifically to collect interest. Now they returned my money but I am owed interest from the day I made the deposit until the day my money was returned.

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 monetary relief
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
Amex notified me 2 months ago that my account is late with a past due balance. I asked them which transactions made up that past due balance. They said that they could not help me. Being that this is a corporate card, I reached out to my company who after a lot of back and forth via emails was able to identify the transactions. These went back to XXXX and XXXX. I paid Amex for the transactions I could identify. However, I could not recognize some of the other transactions. I called the vendors and asked them for receipts ; however, this being 5 years ago they could not help me either. So, I called Amex several times asking them what my options are, and that I wanted to dispute these charges. Instead of helping me in any way, they also slapped me a delinquency fee of {$15.00}. I have an unblemished credit history always paying my accounts on time. However, they have now tarnished it. The only way to communicate with Amex is by speaking to their outsourced reps residing outside US who have very limited authority and knowledge. They do not have any US based customer care line that I could find. So, I am complaining here. 
If they had brought these late transactions to my account 5 years ago and not now, this would not have even been an issue.

Company response to consumer: Closed with explanation