BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-12
Company: Chaplain Financial Services LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Caller did not ask to speak to anyone. Said they were Process serves and if I did not call back immediately, they would send some one to my work place and serve my Human Resources personnel. 

I call back and they were looking for someone else. 

Company said they were Chaplain Financial and phone # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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 Associates, LLC is claiming that I owe on XXXX seperate debts : Account # XXXX in the amount of {$650.00} as of XX/XX/XXXX Account # XXXX in the amount of {$1900.00} as of XX/XX/XXXX When asked on XX/XX/XXXX and XX/XX/XXXX via certified mail, they failed to fill in the date portion to when they actually received my letters denying my right to time stamp them. I asked if they could verify that I in fact owe on these debts and they failed to provide a copy of any alleged contract or other instrument bearing my signature stating that I signed for such accounts. They responded by sending a printout of a bill. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX states that a printout of a bill or itemized document does not constitute verification ( FDCPA Section 809 ( b ) FTC opinion letter XXXX from XXXX ). 

When asked that they dispute these account with the credit bureaus they failed to do so which violated my protection under the FDCPA section 807 ( 8 ) I believe this is a corrupt company trying to deceive me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: REGIONS FINANCIAL CORPORATION
State: GA
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:
XXXX   is reporting an account under my name, social security number, date of birth and drivers license that does not belong to me. I have contacted  XXXX  before and provided them a copy of my police report, drivers license and social security card, but they have refused to properly investigate this matter. All they have done was told me that they verified the information to be mine using my personal identification when I have plainly and clearly told them and provided proof that I was a victim of identity theft, and they have refused to act in accordance with the laws that govern reporting information against consumers. They are reporting the following information against me and it is not mine and as a result of identity theft Regions Bank   XXXX   XXXX   XXXX   XXXX   XXXX  , AL  XXXX  Reported Name  XXXX   XXXX  Reported Address   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , GA  XXXX  Reported SSN :  XXXX  Drivers License :  ( Bla nk ) RTN :  XXXX  Account :  XXXX  Reported for NSF : Amount : {$130.00} Paid in full settled This is not my account and I do not owe this and never did and I want this removed from my credit file

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 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Transunion several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on 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 2021-11-21
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
FedLoan Servicing continues to list XX/XX/2015 student loan payments as Eligible for forgiveness under XXXX XXXX XXXX XXXX ( PSLF ) program. However, the company has failed to complete the required XXXX XXXX in order to qualify these payments regardless of the numerous requests and complaint that I have made or the verification information I have submitted multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: CITIBANK, N.A.
State: RI
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:
Macys card in   XXXX   XXXX     lists missed payment but I did not miss any. Account is closed and is also too old to be on file on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never did business with the company Convergent outsourcing .I disputed it 2 times and both the company and the XXXX  never provided me with a signed contract with my signature. a collection bill is not a validation and I have a right to be provided with proof or it needs to be removed. In attempts to get it off my credit I paid off the balance. It still reflects I owe. This is also inaccurate reporting.

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 2022-04-28
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: Investigation took more than 30 days

Complaint:
XXXX I sent a letter regarding inaccurate and unknown thing on my credit report. To this day over 30 days later I have not received a response yet. i feel like im being taken advantage of and being ignored of my dispute. Section 611 it is pliantly stated that a failure to investigate these items within 30 days gives a so they should be deleted promptly. i demand these accounts be deleted immediate or i will for ligation due to the stress you caused me. 

The credit bureaus also violated 15 USC 1681 sectoin 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are suppose to complete all investigation before the period under section 611 Tracking # XXXX Tracking # XXXX Tracking # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt will b e seven year s old this coming   XXXX   XXXX    , I have on several occasion requested proof that this debt belongs to me via my original signature on an agreement that I owe this debt to the original creditor and or to the collection agency, and proof that they are license to collect in the state of Ohio, proof of agreement that grant them the authority to collect on this alleged debt. As of today, they have not providing any proof to me. I am requesting you do an investigation to remove this alleged debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted PORTFOLIO RECOVERY, regarding XXXX collection accounts that are not mine. They can not prove to me that they are mine. I just get rude people telling me to pay then they will refund it they are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2020 i sent payoff check from XXXX XXXX XXXX to mr cooper for insurance payoff, my account XXXX with mr cooper XXXX XXXX XXXX XXXX txXXXX after i sent check i received loan invoices i called and said there must be a mistake i sent XXXX payoff check from insurance, and my balance was XXXX they did not get back to me as the rep said he would, when i appied for a loan i found they reported to XXXX XXXX XXXX i missed payments of XX/XX/XXXX, when they said they couldint find a check i asked they open an embesslement case with XXXX rangers XXXX after that suggestion the check was locsated in XXXX, they still refused to accept responcability for there coworkers error, i then reached out to attorney genrel i got a responce dated XX/XX/XXXX and XXXX XXXX pointed me toward your agency XXXX so i ened up just getting a loan at XXXX when i could od got it at XXXX i couldint buy a house to replace my burned down XXXX because after insurance paying off property it didint leave enough to buy a structure, so i had to rent rooms going to XXXX area wherer i visit family regularly and with covid i had to rent a room, this company refused to take responsibility, so they damaged my credit and the loan officer didint want to work with me as he believed i wasint being truthful, i lost time of repairing my house and refiancing ; because they refused to acknoledge there employees mistake of location of check ty XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
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: Investigation took more than 30 days

Complaint:
I have asked Experian to correct their inaccurate reporting on my credit report. They are reporting a balance on a charged of account for a creditor named XXXX XXXX XXXX, this was a credit card debt from 2014. The tradeline in outdated and out of the statute of limitations. XXXX and XXXX are reporting this tradeline correctly I have also asked Experian to correct their inaccurate reporting on my credit report. They are reporting a balance on a charged of account for a creditor named XXXX XXXX XXXX XXXX, Auto loan from 2014. The tradeline in outdated and out of the statute of limitations. XXXX and XXXX are reporting this tradeline correctly

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 2017-04-24
Company: Tate and Kirlin Assoc
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On   XXXX     I received a letter dated from  X/XX/17    from  XXXX  ATE & KIRLIN ASSOCIATES, INC.  saying that I owed {$130.00}.  XXXX  to a   XXXX   XXXX   We have no credit cards and all of our bills are paid each time we get them. I tried calling the contact number to this debt collector and got no answers, just a voice mail after being on hold. I will not leave any personal information as I have read they are a fraudulent 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 2021-06-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX shows this status - Account charged off. {$2500.00} written off. {$670.00} past due as of XX/XX/XXXX. 

They were paid off nearly XXXX by insurance. This does not reflect on write off amount XXXX was promised to be waived once insurance was paid which was never done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello, I received email with advertisement showed Premier Rewards Gold Card from American Express with Bonus offer : Earn XXXX Membership Rewards Points after you use your new Card to make {$2000.00} in purchases within the first 3 months. 

Premier Rewards Gold Card from American Express Earn XXXX Membership Rewards Points after you use your new Card to make {$2000.00} in purchases within the first 3 months. 
3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases. 
No Foreign Transaction Fees. 
{$100.00} Airline Fee Credit. Up to {$100.00} a calendar year for baggage fees at one airline. 
Get a {$75.00} hotel credit on qualifying charges, plus a room upgrade upon arrival, when available with The Hotel Collection at americanexpress.com/XXXX. 
{$0.00} Intro Annual Fee for the 1st year, then {$190.00}. 
Expanding merchant acceptance : Over 1 million more places in the U.S. started accepting American Express Cards in the last year. 
Terms Apply. 

When I went over American Express Premier Rewards Gold Card Cardmember Agreement, I did not found any restriction regarding XXXX bonus points. 
I normally call to Credit Cards offices to make sure I have all information. 
I called to customer service and asked if they have any restriction for me to apply.. 
Amex representative placed me on hold and a few minutes later reply that I am OK to apply for card with bonus and she can do this over phone. I said that I will proceed online to see result. 
I was approved and spent {$2000.00} within next 90 days. I waited for XXXX bonus points, but 4 weeks later got nothing. My call to Amex got me nothing. Representative said to wait more. I waited to complete billing cycle and still the same result. This time, when I called, Representative made a quick research and told me that I had this card before and not qualified for Bonus. 
When I told her about info from her co-worker 3 month ago, she agreed that it was card with different bonuses, term and condition, and as she remember it was not lifetime restriction on bonus at that time. She said it may be a reason for Representative to reply to me the way it was done : You did not have this card. 
I made inquiry to Higher tier to resolve my issue, however on XX/XX/2018 phone conversation with XXXX bring no result. She apologized for misleading information from her co-worker, but could not bypass Offer Term. She promised to report issue to corporate office for future. 
If trained employee could not explain written policy the same way, how regular customer can do that? 
In my opinion, Bonus of XXXX points have to apply to my account and term and condition should be written the way it not being Confusing or misleading advertising about the credit card. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: CA
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:
It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$1000.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-04-28
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 USC 1681 A. section 602A. States I have a right to Privacy.

15 USC 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2017-04-24
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Had a  Chase cre dit card for several years when Chase Bank closed my credit card account despite no missed or late payments, which also erased rewards points on the account. The account was closed in  XXXX  and would not be reopened even after repeated ca lls to Chase cust omer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
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:
ChexSystems is reporting an account under my name, social security number, date of birth and drivers license that does not belong to me. I have contacted ChexSystems before and provided them a copy of my police report, drivers license and social security card, but they have refused to properly investigate this matter. All they have done was told me that they verified the information to be mine using my personal identification when I have plainly and clearly told them and provided proof that I was a victim of identity theft, and they have refused to act in accordance with the laws that govern reporting information against consumers. They are reporting the following information against me and it is not mine and as a result of identity theft   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , AL  XXXX  Reported Name  XXXX   XXXX  Reported Address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX  Reported SSN :  XXXX  Drivers License : ( Blank ) RTN :  XXXX  Account :  XXXX  Reported for NSF : Amount : {$130.00} Paid in full settled This is not my account and I do not owe this and never did and I want this removed from my credit file

Company response to consumer: Closed with explanation