BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Chase Credit Card Services sent me a letter stating I owed them {$32000.00} for a card with the ending number XXXX ( the complete number is XXXX XXXX XXXX XXXX ) on XXXX XXXX. 

I called them and sent a letter asking for proof that this was my account and/or I had signed for this card. Their fraud division sent me a letter stating that they had investigated and " WE CONFIRMED YOU'RE RESPONSIBLE FOR THIS CREDIT CARD ACCOUNT '' without providing any documentation. 

I called again and they referred my to the branch location in the XXXXXXXX XXXX XXXXXXXX XXXX, AZ. When I called the branch I was informed they had no record of credit card information and suggested I call Credit Card Services which I did. They referred me to the Fraud Division but when I did they told me to call them branch. The old runaround. 

They have added this to my credit rating which makes me a bad credit risk and will do nothing to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX has not erased or closed my bankruptcy.Ommy credit report even though I have offered proof. This is affecting my way of life. Today I was denied a car loan because of their incompetence. I worked hard to build my credit back I need something done ASAP.

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 2020-08-08
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i notice negative items from procollect inc on my credit report and has been disputing them over a couple of month with no reply asking for a alleged debt that i do not owe.I 've ask them for certain things concerning this complaint and hasn't gotten anything and i have attach a copy of my documents below.

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 2016-09-10
Company: AmeriCollect
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
None of the options listed above describe the situation I had. My issue with Americollect is that I have never heard ANYTHING from them. I went to apply for an apartment and this was not a big enough deal for me to not get the apartment but they have had outstanding debt that they have never tried to contact me about for two years now and it seems to have tripled in size because of the delinquency. I am happily going to pay the debt as soon as their office is open, I am just extremely upset about the lack of an attempt to contact me in what seems like a blatant attempt to grow the size of the 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 2016-02-20
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My credit report from Equifax have an account ( # XXXX XXXX from XXXX XXXX XXXX XXXX that does n't belong to me. I need this account to be removed from my credit report, its affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX XXXX XXXX XXXX has reported a open balance of {$1700.00}. A lady came to my home questioning me on this amount. This balance is for a LLC. Amount is for automobile parts at a XXXX my deceased husband had XXXX XXXX XXXX. This does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions 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:
I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an XXXX loan to get my small business off the ground. Your company has hurt my ability to obtain credit. 


the following inquiries : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX ( XX/XX/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 non-monetary relief
Consumer complaint received 2017-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery XXXX. was sent out a letter of validation on XX/XX/XXXX, 2017. In return the sent me a letter with a copy of a lot of old bills. An old bill does not validate this account belongs to me. When I call they ask me for my social so if you ca n't validate that this is my account why do you need my social. I am asking that this account is deleted off of my credit report because they will not comply of what I need to verify this account. The account number thatchy sent is XXXX. Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i am writing about Franklin Collection services that i have been communicating with over the past couple of months with no reply and this is my second notice that i have sent them concerning this complaint on XX/XX/2020 and i am asking for your assistance in this matter of correcting the problem.i have attach the letter below of my letter that i have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXXXXXX XXXX XXXX XXXX days late in XXXXXXXX XXXX, XX/XX/2021, and XX/XX/2021. 

XXXX XXXXXXXX XXXX XXXXXXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this XXXX XXXX a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

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 2020-08-08
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company Franklin Collection is still reporting this collection account on my credit reports even though this debt was paid in full directly to XXXX XXXX XXXX. Firstly after filing a dispute with the credit bureaus, in XX/XX/XXXX of XX/XX/2020 Franklin Collection posted a debt of {$110.00} to my credit bureau reports 4 times in that one month. This amount was paid directly to XXXX XXXX XXXX and instead of it being removed from my credit, Franklin Collection updated the posting as a collection account, paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: JPMORGAN CHASE & CO.
State: AL
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 credit report is showing fraudulent accounts from XXXX XXXX   XXXX attatched to addresses I have never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: WA
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:
information is being furnished on my consumer reports without me knowing and needs to be removed.

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 2020-01-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My XXXX account has been showing that is has been pasted due for more that 6 months which is not correct. I have made payments every month on this account. When this account was closed my {$200.00} security deposit was applied to balance. For some reason my required due each month was more than 300 % what it should have been. 

I have added the bills and payment history to this email. XXXX stated they would not correct my credit report and stated information is correct when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To whom it may concern : I am trying to save my home and the lender is saying I have old history with XXXX XXXX XXXXXXXX, XXXX and Capital One. 

These accounts appear to be close the the 7 year mark. Upon looking at the accounts there are a few months left. I am hoping someone here can help me with a good will adjustment. 

Please I need these accounts removed. If it is possible for you to look into this and help me get these accounts deleted. There are 4 in total. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Afternoon everyone ; listen, my credit report keeps showing that i have a debt with Midland MCM from XX/XX/2016. I believe this is an error because when i contested the debit with them and original creditor they mentioned that they have no record and they failed to provide me detail of the {$10000.00} alledged debt. It was removed and all the sudeen, i just refreshed me report and i found it again on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have reviewed my credit reports with a lawyer. He has informed me that Equifax is reporting to accounts illegally. They are not reporting the debt collector or creditors name. This renders the accounts non-verifiable and not accurate. A violation of Federal law. They have been written several times and have done nothing about this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted Equifax to dispute an unauthorized inquiry from XXXX. Equifax refused to dispute and after a complaint against XXXX, XXXX indicated they sent a letter to Equifax to remove the inquiry and it still has n't been removed. I attached the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed a submission by XXXX on XXXX XXXX, 2016 with the attached documentation needed to support the removal, which was a letter from XXXX submited as a part of a previous complaint with the CFPB, that stated that ALL collection efforts that were attached to my social security number would be removed from my credit report. This was not my first instance requesting that items posted by XXXX be removed from my credit report and providing the legally binding documentation, since XXXX has not abided by it 's written statement and removed listings from my credit report. In the previous instances, with dispute number XXXX and XXXX, Equifax has expeditiously removed these based on the documentation given. However, for dispute number XXXX, Equifax only attempted to verify the debt ( See XXXX Attachment ) this time instead of doing as XXXX promised in their written document of the CFPB complaint, which was to remove all credit report listings associated with my social security number. I contacted Equifax about the issue and attempted to explain that XXXX made a legally binding promise, in writing to remove any and all listings from my credit report. I was told that a new dispute would be created, number XXXX, however, I was not notified of the outcome of this dispute although it appears to be closed. I then called for a second time about the issue and a new dispute was created, however, it is showing that this will be resolved on XXXX XXXX. This extended period of time is not needed to resolve an issue that was previously done on two occasions in two days with adequate documentation ( See Equifax Dispute Attachment ) This has been highly frustrating due to the fact that verification was not asked for but rather that Equifax do as they have done before and hold XXXX to their legally binding statement to remove all listings from my credit report. Equifax should do what is right and what has been done in the past and remove the listing as is required and promised by XXXX own statement in the attached document. As a consumer, I feel that I am being taken advantage of and that XXXX is not being held to their written statements. ( See Response Letter from XXXX attachment on third page, first paragraph for XXXX promise to remove all listings associated with my social security number )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Rent Recovery Solutions
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
My fiance and I ( XXXX XXXX ) were living in the XXXX XXXX XXXX XXXX, XXXX CT. The XXXX materially and repeatedly breached its obligations to us under our lease, which caused us to terminate the lease and move out of the apartment. The XXXX then sent our debt into collections with Rent Recovery Solutions, during this time we notified The XXXX that they and Rent Recovery Solutions were only permitted to contact us via formal writing. Rent Recovery Solutions ( RRS ) attempted to contact us by phone, which we made aware was inappropriate. We received a letter of collection from RRS and responded within 30 days that " As your client, XXXX and XXXX XXXX " XXXX '' XXXX, has been repeatedly advised in writing, the entire amount of their claim is disputed and will not be paid. XXXX materially and repeatedly breached its obligations to us under our lease, which caused us to terminate the lease and move out of the apartment. '' Our credit scores have been flagged by RRS and we dispute all amounts due. It should be noted that RRS is not listed as a XXXX Agency with the XXXX as of XXXX XXXX. We have told both parties that we are being represented by a lawyer and are disputing all charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
Searching for original loan agreement, unable to reach correct department at Bank of New York Mellon, this Bank is Trustee/holder of XXXX XXXX Trust. This Bank should have copy of note.

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 2020-08-08
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Experian refuse to delete a collection that clearly cant verify that its my account this account was deleted from the other two bureaus because they failed to verify that its my account. I have reached out to the company personally no information was provided and they hung up the phone on me. This collection is stopping my process of purchasing my home. I need this inaccurate account deleted immediately. I have send documents pictures of screenshots deleted from other bureaus Im confused on why EXPERIAN wont delete this bogus account. XXXX XXXX XXXXXXXX is the name of the furnisher.

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 2016-12-14
Company: WELLS FARGO & COMPANY
State: WV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
After the recent news from Wells Fargo I decided to contact them about my experience. I was XXXX, looking for a simple account to put money in from an after school job. Some how I ended up with XXXX bank accounts and a credit card. I did not want these additional services and incurred additional fees because of this. I do not believe I should have ever qualified for a credit card, especially with the limit I had. I was told on the phone with Wells Fargo that unless I was contacted then I was n't part of the affected group. They additionally told me that I would be receiving a letter in the mail to follow up which I never received. The phone representatives acted like they had no clue about what I was calling about and like this was the first time they had heard about this.

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