BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-01
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ( XXXX ) XXXX Collection Information Bureau , Inc . 
68 years in business XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission DOCTORS BUSINESS BUREAU acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My Chase Bank Credit Card was discharged. Then we started receiving letters from different collection agencies collecting a debt on behalf of Chase Bank U.S.A., NA. Companies like XXXX XXXX XXXX , XXXX, in XXXX, OH XXXX. Then Chase put the debt on my wife 's credit report. The credit card was in my name only. Chase keeps harassing me with calls to my home and cell phone and sending me letters for a 8 year old debt that was discharged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08
Company: AES/PHEAA
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 status incorrect

Complaint:
In XX/XX/2018, Fed Loan Servicing reported that my payment was 120-149 days late. This is incorrect because my student loan was in forbearance since XXXX meaning that I did not have to make the XXXX payment. Even if the XXXX payment was due, it would not be 120-149 days late. I have tried to get it off of my report since it looks like 4 missed payments on my account due to having 4 student loan accounts to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
JP Morgan Chase continues to defend themselves by saying that they were in the right and that the foreclosure on our home was valid and basically " by the book '' ; However, while it might have been end the end, it was NOT because it should the never gotten to the point of foreclosure in the first place. They continuously accuse me of lying by saying that I did not get the requested documents in to them in a timely Manner when I very much did so ( as did the law firm that was helping me at the time ) AND they also basically accuse me of lying when I report that a representative at JP Morgan Chase told me that she could not take a temporary payment that I was set up to make and after I have made consistent temporary payments for several months. She said that she could not accept it because the loan was under a modification review. Well, .... that IS why the temporary payments were set up in the first place. 
Every time I report JP Morgan Chase all they do is send the same response only changing the dates on the letter. No one even takes the time or cares to truly investigate my reports, let alone offers a reasonable or satisfactory resolution. They screwed us over and left me homeless by not processing our request for a loan modification promptly and then turned around and tries to blame it on me for not getting the requested documents to them in a timely manner when I most certainly did. 
I have reported this numerous times and will NOT stop reporting it until a satisfactory resolution is made to us for this debacle and XXXX on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Mediation Recovery Center
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Debt is NOT mine. I am a victim of Fraud. Multiple accounts ( credit cards ) have been opened within a time-frame when I was not even in XXXX. After finding out about the fraud through my credit-reports I placed a Fraud-Alert, went to the XXXX Police in XXXX and got XXXX involved. After those measures and disclosing proof that this debt is NOT my responsibility - it was FRAUD, all companies have withdrawn the fraudulent accounts BUT XXXX. The attached documents, statements and proof ( i.e. police report, proof that I was not even in XXXX when the Fraud occurred, multiple witnesses stateside and in XXXX, etc. ) will explain in detail! 
I have been trying for years now for multiple collectors to get the point, IT IS FRAUD, but the account keeps being sold off. I never received anything in writing from any of them, including the original company, up until now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
On my Equifax report, my address city is listed as XXXX, Tx XXXX. Up until about 1998 this was correct, but my subdivision then incorporated and formed its own city XXXX XXXX, Tx XXXX. How can I simply get Equifax to correct this address issue? 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Allied Collection Services, Inc. (Nevada)
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: Old information reappears or never goes away

Complaint:
An entry on my credit report is complete fraud. Ihave complained previously to no avail. The entry from Allied Collections for {$1100.00} is incorrect. 

The business XXXX XXXX at XXXX XXXX reported I owe a balance of {$870.00} and I do not. XXXX XXXX is a hotel / residence where like every other hotel you pre-pay. You want to stay from Monday to Wednesday, you pay for those dates, if you would like to stay longer you pay before, not after. 

Allied Collections states the account was opened on XX/XX/XXXX, and the " satus '' update was XXXX of XXXX, the same month the account was opened. How can that be? 
Additionally, I have enclosed/ attached an email from my apartment management company which shows I resided there from XX/XX/XXXX Until XX/XX/XXXX. 

They have re-aged this debt. I never stayed past the time I prepayed. I owed XXXX balance and they keep reposting this information to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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:
The data furnisher failed to provide correct and accurate contact information on the consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received my paper statement in the mail today and noticed that XXXX 's ( Comenity Capital Bank ) charged me a {$35.00} late fee on my bill. The bill was due XX/XX/2022, the payment was made XX/XX/2022 a little after XXXX that evening, the payment was processed XX/XX/2022. I called in and spoke with a representative who refused to remove the late payment after I gave her notice that XXXX 's was violating my consumer rights on my open end consumer credit account. I then asked to speak with a supervisor. I spoke with XXXX # XXXX, whom I explained that a late fee is a violation of my consumer rights and I refuse to pay any illegally added charges and he pretty much laughed and told me they are not federally regulated by anyone because they are a bank and their terms and agreements trump federal law. I asked XXXX who are they regulated by and he proceeded to tell me no one, they were not violating my rights, and they will not honor my demand. He also stated that I shouldn't have called to remedy the situation, just don't pay my bill, contact legal, and contact the Attorney General if its an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: EOS Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
EOS CCA repeatedly contacted my home and cell phone numbers over and over allegedly regarding a XXXX account. The account was paid directly to XXXX XXXX. Someone named XXXX kept calling and was speaking so fast that she could not be understood. She became abusive and started calling more when she was told to STOP talking so fast and to STOP calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am tired of the excuses from Seterus. My loan was modified for over 4 months and they refused to send me my current mortgage statement for my own records. I have faxed a letter to Seterus and it has been over two months. Seterus has not reply to my letter. I am frustrated because I want to received my mortgage statement trough mail. However they keep telling me they will provide me with a copy in the mail and still no answer. I do not have any active Attorneys therefore there is not reason why I should n't received my mortgage statement in the mail. I did not wanted to involve the CFBP. However I was forced for all the excuses I been given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Bliksum, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Today XX/XX/ XXXX XXXX from XXXX XXXX XXXX, call my phone left message for my husband that I said she was verifying my information for a job I had applied for, she also called my daughter and mother and told them the exact same thing. That I had applied for a job, and she was just verifying my information with them because I used them as a references. This is the second set of calls that my family has received from this company. The first time it was a guy named XXXX that called. He also called my mother, daughter and a cousins husband. When I asked her to quit calling all my family she said that I used them as references and she could call them if she wanted to, so she could verify my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The credit reporting agencies XXXX, Equifax and XXXX are reporting information that I am confident is reporting inaccurately. As I have attempted to dispute the inaccuracies, the agencies are being either uncooperative or non-responsive to my request. I 'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. When you can provide adequate validation of this alleged debt and late entries I will concede to your policy of valid entry. To refresh your memory on what constitutes legal validation, I am giving a list of the required documentation : Complete payment history, the requirement of which has been established by XXXX, XXXX ; XXXX. App. XXXX XXXX. 
Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX, XXXX, XXXX ( XXXX., XX/XX/XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 
I 'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX, No. Civ XXXX ( XXXX. XXXX ), the court ruled that reporting a collection account indeed is considered collection activity. The following are challenged : XXXX XXXX XXXX XXXX XXXX XXXX ( Refelecting Late ) XXXX XXXX ( Refelecting Late ) XXXX XXXX ( ReflectingLate ) XXXX XXXX ( Reflecting Late )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
An unauthorized reservation was made to XXXX  with capital one card, Both XXXX  and capital one havent returned my money and its been over a month. Multiple fraud claims were already made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect. 


INCORRECT ADDRESS : XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV  XXXX INCORRECT NAME Reported : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, INCORRECT Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX INCORRECT Employment Data Reported : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 2016-03-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
RE : XXXX XXXX XXXX, ( XXXX ) ; Acct. No. XXXX ; XXXX is reporting that my account is a 'Bad Debt ' and is 'in Collections ' ; they also are reporting that I am making payments of {$5.00} per month for 5 months and that I have a balance of {$22.00}. This account has been paid. I have contacted XXXX numerous times about this account and what they are reporting. I paid XXXX {$22.00} on XXXX XXXX 2015. I received a confirmation letter on XXXX XXXX 2015 sent by XXXX, XXXX Customer Service. This is adverse to my credit, being reported to Equifax , and I would like it removed. 

This circumstance of XXXX reporting that I owe {$22.00} and making payments of {$5.00} a month for 5 months is irrational in that even if I were making payments of {$5.00} per month ... the balance would be paid in full in five months. But, XXXX continues to report the same information month after month ( more than five months ) that my account is ' a bad debt ' and in 'collections '. Even after speaking to XXXX, they still continue reporting the same incorrect information thus continuing to damage my credit. As noted in the attached letter, ( XXXX 's letter of payment and apologize ) for their improper attitude ... XXXX still continues their damaging reporting. The entire matter was about a disagreement of {$22.00} that I finally paid just to end the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I would like to draw your attention to XXXX XX/XX/XXXX and XXXX XX/XX/XXXX- I sent my complaint letter to Binance, in which I clearly stated how the scam has affected me personally, psychologically, and financially. I received no response after sending dispute letter, rebuttal letter and follow-up letter. 
Commencing on or around XX/XX/XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), It should be noted that one of the companies, happens to be a client of Binance, and owner of wallet : XXXX XXXX Money was transferred from my XXXX  wallet in the amount equivalent to XXXX ETH at the instructions of the scammers utilizing Binance services and authorization. In providing its services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is a scammer or is involved in potentially fraudulent activity. 
Binance could have, and should have, utilized various risk-based examination procedures and techniques, all of which are within their purview and legal obligation, and could have entirely prevented this disastrous outcome. 
Given that their client was an active participant in the movement of my money, which eventually ended up with the Company, Binance has not exercised its duties to identify this suspicious scheme in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Disputed the Public record state tax lien information as paid & released of personal income tax, aged out. Equifax reporting to XXXX XXXX reported different information show no paid or released.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: CAVALRY INVESTMENTS, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to dispute this account as well as validation .... no validation was sent as to prove 100 % accuracy. I recieved no copy of charges of the bill, signature and/or social attachment proving this account belongs to me. Since they failed to provide any proof : 1.Assignment clause 2. Notarized letter of debt purchase 3.Signed contract from original creditor 4. Show proof they have the legal right to collect in my state.

Not only that, that is a violation of HIPPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 disputed an account that shows closed by credit grantor to correct it as closed by consumer and I sent documents proving it however The credit bureau still showing closed by grantor.

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