BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-26
Company: ONLINE Information Services, Inc.
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my XXXX major credit reports. This debt is appearing. It is not my debt. I have requested written VOD from both of the collection agencies/law offices and the original creditor. I requested VOD over 30 days ago. I have not heard from the original creditor or the collection agency regarding this debt. I supplied a copy of my ID, my social security #, and proof of address to all parties. I was never in their facility/hospital/office. I have shown proof of residence as well as tax documents to show my employment was NOT in their area. I want this deleted from my CBR as they have failed to prove it is my debt. In fact when I call the original creditor they have an entirely different name and social security # listed in the original file. This is what prompted me to send proof of ID and social security number. This is NOT my debt and I want it closed and removed from my CBR immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-16
Company: Pinnacle Credit Services, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Pinnacle Credit to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I went online to get a copy of my credit report and credit score. I was told to call XXXX and give them a reference code of XXXX. Once I had a representative online, they text me a link in which they wanted me to upload my Texas ID front and back and take a picture to verify my identity. I complied. Then she said that the address they had on file was not my address XXXX XXXX  XXXX XXXX  XXXX XXXX Texas XXXX she said she needed me to fax her my 1099, Texas ID, Social Security number, along with a reference stating that this information was to prove my identity and update address. 
Please see attached Confirmation to the fax number given to me by equifax information services. ( XXXX ). I faxed the requested documentation of my Texas ID, My XXXX ( proving my current ) address as well as my social security card.I called back today to check the status of the information I sent and was told by a " supposed '' Office of Consumer Affairs Supervisor ( XXXX XXXX ID XXXX ) that they have not received my information and that my information might have been dis-guarded because it was not the correct information. I explained to her that this was the EXACT information that was requested from me and she said well you need to mail it because we don't have it. When I inquired where my PERSONAL PRIVATE information was that I sent to a " supposed '' secure fax number that was given to me by her equifax representative, She said she did not know. I asked to speak to someone high than her that could assist me with finding out where my PERSONAL PRIVATE information went, as it was supposed to go to them, SHE WAS EXTREMELY RUDE AND UNPROFESSIONAL, she declined and said that she was the highest person that I could talk to. I asked for her supervisor and she said no, she was the highest person. I told her that it was against the law for her not to let me know where my information went and that she was violating my rights not attempting to assist me. She responded by saying that we were going in circles, that she is the only person that I could talk to, there was no one higher than her, then she proceeded to disconnect the call without assisting me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: The CMI Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In XXXX, after I canceled XXXX XXXX I was sent a bill for XXXX. According to my records I had paid everything and had a XXXX  balance. I called XXXX and disputed the charge, at that time I used my records of my previous bills to dispute the charge. The man I talked to couldn't tell me where the charge was coming from so he said he would rectify the situation. Shortly after I got a call from a Collections Agency and notified them that the situation was corrected and they needed to talk to XXXX. Even after telling the agency this they still tried to get me to pay, but as far as I was tracking after talking to XXXX I didn't owe that charge anymore. I never heard anything about the charge or received any bill after that, until it showed up on my Credit Report. I called XXXX XXXX for further information. The lady I talked to notified me that the reason I wasn't tracking the charge is because it was from a different account back in XXXX that they transferred into the account that I was canceling in XXXX. They did this without my knowledge or without any notification, furthermore the guy I talked to the first time from XXXX had no clue where the XXXX charge was coming from. I Paid the full charge to XXXX and the apologized for the miscommunication. The delinquent dept I feel is wrongfully posted on my credit report because when I was told from XXXX the the charge was settled the first time I never received any notification from XXXX notifying me it was reinstated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 see several 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I check my credit online last week and saw 5 debt collectors. I have not been anywhere or have I used any credit because of being laid off. I'm not sure where this came from. However I was arrested in XXXX in XXXX XXXXnd my license was taken away and I had to go to court! There was a man name XXXX XXXX. He impersonated me. This was not known until I went to court and the lawyer showed past arrest photos of " XXXX XXXX XXXX '' and it was all him. I found out he has my DL number, SSN, everything. 

Moving forward I do not even use credit cards and ONLY pay cash, so these accounts can not be mine. Whatever debt this is they need to view the picture of the ID to see if it is my face or that man XXXX XXXX. 

The account that I saw on my credit were : XXXX XXXX XXXX  Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX XXXX XXXXXXXX XXXX Account Number XXXX I attached my credit report showing the accounts that are not mine Even when I look on the credit report and look for information to contact the creditors both of these companies XXXX XXXX XXXX and XXXX XXXX XXXX information is not listed. These company did not send any mail to my address and I have been at the same address for over 30 years. I just don't understand why this happen. 

Please hold them accountable for not verifying whoever used my information to get credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11
Company: Franklin Collection Service, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Franklin Collection Service Inc has listed the same account 2 times on my XXXX credit report stating I owe them money from XXXX. 

This debt does n't exist. I do n't owe the Dr. office any money they are " supposed '' to be collecting for. They are trying to collect on debt that does n't exist. 

Also the Statute of Limitations in South Carolina for open and written contracts is 3 years. This non existent debt is pass the statute of limitations. Plus it does n't exist in the first place. 

Franklin Collection Service Inc is in of violation the Fair Debt Collection Practices Act and in violation of the Fair Credit Reporting Act for actively trying to collect on a debt that does n't exist and actively trying to collect on a debt that is pass the Statute of Limitations. And for knowingly and willfully listing inaccurate information on my credit report. 

XXXX. Creditor : Franklin Collection Service Inc Account Number : XXXX 2.Creditor : Franklin Collection Service Inc Account Number : XXXX Please make Franklin Collection Service Inc delete these XXXX accounts from my XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My credit report shows that I am responsible for a debt of {$1800.00} for an XXXX from XXXX XXXX XXXX in XXXX, NJ from XXXX. This amount was already paid by my insurance company, XXXX, and I paid the co-pay. There is NO outstanding balance on the account. REMEX is the collection agency that has reported the debt to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We had requested a home mortgage modification a few times previously, each time we were told that our documents had been lost in the mail, or we needed more documentation that did n't exist. We applied ( again ) for a Home Affordable Modification Program mortgage modification. We were having difficulty maintaining our home payments. Not only was our mortgage extended out another 30 years, but we were charged a XXXX fee of {$11000.00}! We felt as if we had no other option, so we agreed. After reading the article in XXXX XXXX, we are hoping that you can help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: EQUIFAX, INC.
State: MO
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:
Equifax should not be reporting that I am ( 120 ) days late, as well as reporting a collection in the amount of {$2200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, the account balance is incorrect, and Second, there are no late payments to report. The interest rate being charged is well over 200 % and most importantly this is PREDATORY LENDING to say the least!!! The Federal Loan cap on credit cards is a maximum of 28 %! Please remove this line item and/or update to report correctly. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureau to remove and/or update this account however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

COLLECTIONS XXXX {$120.00} COLLECTIONS XXXX {$130.00} COLLECTIONS XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX  XXXX {$260.00} XXXX  XXXX {$720.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
This is a follow-up complaint to  Case   #   XXXX  and  Case  #  XXXX . Case #  XXXX  was resolved by processing my REPAYE recertification which was properly submitted after receiving an e-mail from FedLoan Servicing asking me to recertify.  <P/>  Case  #  XXXX  was not resolved as FedLoan Servicing falsely stated that they would not capitalize the accrued interest into my principal balance. For some reason, FedLoan Servicing fixed the REPAYE recertification issue by placing my account into an administrative forbearance and then capitalizing all accrued interest into my principal balance. As of XX/XX/XXXX   , my principal balances were : {$240000.00} for  XXXX  and {$56000.00} for  XXXX . I was not aware the accrued interest would capitalize as I submitted my REPAYE certification when FedLoan Servicing requested and my account was placed into forbearance due to FedLoan Servicing 's error. After the administrative forbearance ended, my principal balances changed to : {$250000.00} for  XXXX  and {$58000.00} for  XXXX . This is a $  XXXX  financial penalty placed on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt collector actually owes me a refund. I have been repeatedly told since XX/XX/XXXX that they have refunded the money. Mailed to wrong address, returned to them, deposited to my account, mailed to my home. I have still NOT received the refund. Check was supposedly mailed from XXXX to XXXX, still have NOT received it. They refuse to supply a check number or verification of the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX* DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1681 section 602 A : states i have the right to privacy.

15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I contacted Wells Fargo around XX/XX/2022 regarding a XXXX payment made where I did not receive the product/goods I paid for. I paid {$160.00} for XXXX XXXX tickets and did not receive the tickets. The person kept stalling and then asked for more money so I asked for the {$160.00} back. I have screenshots asking for money back. I was told that there was nothing WF could do. The complaint was referred to a special team and I was told I would be contacted in 10 days and I called them. They did not contact me, return any calls and all of a sudden I receive another letter stating the matter was closed. I requested the documents used to make the decision and was told I would receive in 30 days and to date I have not received anything. The case manager was XXXX XXXX, claim number XXXX, i was also given another claim number of XXXX on XX/XX/2022. I still have not spoken to XXXX, she never contacted me and did not return my call. XXXX, extension 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 2022-04-20
Company: SYNCHRONY FINANCIAL
State: FL
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:
I had a new air conditioner installed and was offered 24 months same as cash by the company, XXXX XXXX, which is financed via a credit card through Synchrony Bank. I received no information about the account but was informed it would be sent with card. When I received the account I discovered I was charged a {$29.00} activation fee. It was in the disclosures I received with the card but if I had know about the fee in advance I would have gone ahead and paid for the unit. I contacted the bank and was advised they are sorry I wasnt informed but they are just the financial institution and cant control the sales guys. Are they ultimately not responsible to ensure proper disclosures are given prior to selling their products? Very frustrating!

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 2022-04-20
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
accounts by comenity bankXXXX XXXX XXXX account # XXXX home part account # XXXX is being reported by comenity bank as accounts that under a new contact, with old accounts back grounds.no court or attorney has contacted me of any such change, that would allowed comenity bank to change the accounts numbers, the back grounds remains of the accounts being federal law forgiven, the report of non allowed fees, interest, to those accounts, any thing comenity bank care to added to the accounts that's closed and federal law forgiven, is against the law.and the whole account should be removed off the credit reporting bureau 's XXXX and XXXX XXXX.now.documents ofthe credit reports , statements of old accounts, letters from comenity bank about the accounts, has been sent by ups with this ID complaint number on them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15
Company: Diversified Consultants, Inc.
State: VT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This bill was my mothers not mine and I paid it for her directly to XXXX back in XXXX XXXX 2016, I have talked directly the company and the issue has been resolved so I done even understand why this is on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted Transunion on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX in regards to inaccurate inquiries reporting on my credit. I have also sent correspondence to have these inquiries removed from the companies that reported the inaccuracies. Transunion constantly denies me to have these inquiries removed even though the reporting companies have requested so. I am requesting an investigation in Transunion and for the falling inquiries to be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-08-19
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
They are calling my parents leaving messages that they will put a warrant out for my arrest and leaving voicemails on my phone that they will be sending someone to my house. I 've never received any papers from these people. They call from different number to my parents phone. One is XXXX and he left the name XXXX XXXX and the other is XXXX XXXX and her number is XXXX. XXXX XXXX asked me how do I pay my bills without a job and I said through the grace XXXX and she started insulting me and my religion.

Company response to consumer: Closed with explanation