BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am disputing a collection from XXXX XXXX XXXX that appeared on my credit report in XXXX, XXXX. The collection agency is Helvey and Associates. 

The collection relates to the energy utility bill on a home that was owned by my ex-wife XXXX XXXX at XXXX XXXX XXXX, XXXX, NC XXXX. ( XXXX XXXX XXXX XXXX in amount of {$550.00} ). She purchased this home individually in XX/XX/XXXX and sold it in XX/XX/XXXX. We are divorced and separated in XX/XX/XXXX, and I moved out. Apparently this account became in arrears in XXXX of XXXX at the start of the COVID pandemic. XXXX moved to XXXX, Colorado in XXXX of XXXX and bought a home at XXXX XXXX XXXX XXXX, XXXX, CO XXXX. She called XXXX XXXX to turn off the energy at her home and gave XXXX XXXX XXXX XXXX as the forwarding address ( please note, I have never lived at XXXX XXXX XXXX XXXX- I moved to XXXX XXXX XXXX XXXX XXXX, CO XXXX in XX/XX/XXXX ). I was not aware a ) that I was a responsible party to this account and b ) that the account was delinquent. The final bill was mailed to an address that I have never lived at. I discovered this bill existed when a collection showed up on my credit report. Apparently, the notice of collection from Helvey and Associates was also sent to XXXX XXXX XXXX XXXX. 

When I became aware of this collection, I informed XXXX and she called XXXX XXXX and made payment directly to them from her checking account ( please see her email regarding this ). 

I was not responsible for paying the utility bill per the explicit terms of our executed Amended Cohabitation Agreement, a signed copy of which is included with this dispute for your review : See, specifically, XXXX XXXX Each of us shall be solely responsible for his or her separate debt, and shall indemnify and hold the other of us harmless with regard to such debt... Separate debt shall also include debt incurred with respect to only that partys separate property. 

I believe this collection should be deleted from my credit report. It was 1 ) promptly paid when I became aware it existed 2 ) at least in part stemmed from unprecedented disruption during a global pandemic and 3 ) was connected to a home I did not own and was per the explicit language of a court order not my legal responsibility. I am a practicing XXXX XXXX XXXX and have an otherwise impeccable credit history that spans over 18 year. There is not even a late payment on my credit report, let alone another collection. I am a responsible borrower and this collection is an aberrancy. It is, however, making it extremely difficult for me to qualify for a mortgage as I am trying to purchase a home to live in with my XXXX  children. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX at XXXX eastern time I contacted USAA customer service, in regards to a Visa credit card that my current husband in XX/XX/XXXX opened as a single applicant. We were married XX/XX/XXXX and now separated due to legal issues. I called to cancel my card believing that I was an authorized user, but the representative told me that I was added as a joint account holder in XX/XX/XXXX. I remember calling the credit card company for an issue regarding some form of inaccurate charge for my XXXX XXXX  XXXX veteran boyfriend at the time and the representative mentioning they needed to get verification from him to discuss his account with me. I either 3 way called or he was sitting next to me to authorize permission and he also told them he give me permission to speak on his behalf regarding any other future question or issues I should have. I also, do this for my parents accounts and doctors because they do n't speak english well, so I did n't think by doing so that I 'd be liable for his debt. I would never agree to be a joint account holder because he has a XXXX that makes him not have any XXXX XXXX. This makes him make thoughtless purchases and gets him in the trouble he is in now. According to the 5 different agents in different departments told me at that time I gave verbal consent to be a joint account holder, but they use different terminology that made me think I was an authorized person to speak on his behalf. I asked multiple agents to send some form of evidence of myself agreeing to this because if I did I was unaware that I was accepting debt liability. I never signed or knowingly agreed to be liable to his already opened credit card. The agents just kept saying that I agreed over the phone and we are in default and I needed to make payments. I asked to speak to someone who can give me some form of documents or evidence that I agreed to the debt liability and they either hung up the phone on me or kept switching to different department and said they would n't give me any additional information and their was n't anyone who could help answer my questions. I then the day after I found a USAA blog after going through an enormous amount of research and XXXX and decided to post my question there. They basically said the same thing and when I posted again with more detail to ask for help, the company blocked me from the blog. I really do n't know what to do and need help.

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 2021-07-21
Company: Firstsource Business Process Services, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was unaware that I owed a balance to XXXX XXXX XXXX. I was promised pay for delete for this account from XXXX XXXX and the supervisor XXXX. I paid {$10000.00}. They refused to email a receipt or letter of our approval. They continued to say because the calls were recorded that I didn't need it. I made this agreement with the collection company One Advantage LLC. It was paid in full on XX/XX/XXXX or XXXX. They agreed to remove this account from all 3 credit bureaus all they have done is updated the payment of the XXXX Now XXXX XXXX is saying that XXXX is on vacation until Monday even though she told me yesterday that she was going to have another supervisor to remove it and she was to call me back. She did not call me back when I called her back today she is giving me the run around and saying they will update. I need this corrected.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XXXX XXXX of 2017 I applied for a XXXX personal loan. Wells Fargo denied the request. I have a credit score of XXXX ; I have a credit card with them with a limit of XXXX with a current balance of XXXX. I have collateral ( properties ) ; Steady Job ;  been employed by the same company for 14 years ; but I was denied. In the past I been denied twice. Because I m a woman and XXXX. THIS IS PLAIN DESCRIMINATION.

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 2021-07-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I wrote the three credit bureaus, XXXX, Equifax and XXXX on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 wrote the three credit bureaus, XXXX, XXXX and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

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 2017-10-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
violated the FDCPA by knowingly attempting a judgment 14 years old. Expire statue of limitations on judgment. judgment date is XXXX XXXX, 2003. did not renew judgment on or before 10 years with the clerk of the court records office. misrepresenting the amount due. Filing an inaccurate amount due, not considering prior payments on judgment. Contacting my job calling my employer of my work status of a time-barred, zombie debt. Abusive debt collection after 14 years judgment is dormant, time-barred taking me back to the courts knowing the judgment statue of limitations has expired and harassing me getting my present employer involved in a lawsuit that is now dormant. informing third parties about my debt who is my present employer. failing to provide verification and continuing to attempt to collect debt when it is disputed by customer. Failing to disclose that judgment is to old to be legally enforced. Threatened to garnish my pay check knowing the statue of limitation has expired on the judgment,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
I am waiting from someone in capital ones cooperate office to call me or email me I have written to XXXX XXXX and XXXX XXXX and not one time has anyone contacted me at all they refuse. everytime I call customer service I just get a supervisor and no one higher you can ever talk too getting really frustrated and want to talk to someone in ther cooperate office and have a conversation with some one there

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-26
Company: AMERICAN EXPRESS COMPANY
State: NV
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:
I applied for an XXXX XXXX AMEX card today. Prior to applying, I verified that it was not stated that my personal credit would be pulled. In fact, the SSN entry box had an information icon next to it which, when clicked, clearly states that my social is only being used to verify my identity. This is a business account and as such should not report on the personal side anyway. If I granted permission or authorized this inquiry, then it was hidden which violates UDAAP and should be immediately removed as it was obtained illegally. American Express refuses to acknowledge their illegal practices which obviously violate UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There are two items on my credit that don't belong to me, i have tried to remove them and have gotten no where, this is stopping me from buying a home. 

the items below are what needs removed XXXX Opened XX/XX/XXXX for {$220.00} XXXX XXXX Opened XX/XX/XXXX {$170.00} these items no dont belong to me, they are fraud

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 2022-04-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
wells fargo wants me pay back a XXXX dollar balance for checks they allowed into my account how is that possible when my account was reported hacked an cards stolen the signature they have on the checks is not my signature i have tried to resolve this issue but due to the fact wells fargo failed on securing my account by letting a person breach my account with a fradulant signature again i reported this incident more then once being able to provide evidence of me reporting before during and after the incident yet im still being hit with the charges due to lack of security an responsibility on the branches end

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 2017-06-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have 2 credit cards from CHASE : one VISA and one MASTER CARD. I applied for CHASE British Airway Visa credit card on XX/XX/XXXX. I received a letter letting me know that they could not confirm my information on the application against my current credit cards information with Chase and I need to provide a proof of Date of Birth and current Address reference number XXXX. <P/>I came to Chase bank 2 times to have them fax my passport and my driver license to the fax number provided on the letter. I also mailed a copy of each document to the address provided on the letter. <P/>I received another letter letting me know that Chase had a concern that someone may be using my personal information fraudulently and need to call Chase to confirm if I was the person submitted the application in 30 days from the date of the letter on XX/XX/XXXX. <P/>I called Chase today XX/XX/XXXX to confirm that I submitted the credit card application. The person from fraud department was able to verify my information and there was no fraudulent activity. <P/>However, they told me that everything is fine but they had closed the application and I have to reapply. <P/>There has not been 30 days from the date of the application XX/XX/XXXX nor from the date of the communication letter of XX/XX/XXXX and all of the requested information / documents being verified. <P/>Why did they close my application and I have to re-apply? <P/>There was a hard pull on my credit profile and damaged my credit profile due to this application denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Experian Information Solutions Inc.
State: CO
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:
I have recently obtained a copy of my credit file and there are still many mistakes in my report. In fact, I have asked for the Verifiable Proofs for the below accounts : XXXX XXXX XXXX XXXX XXXX - XXXX : Unverified information XXXX Account # XXXX : Unverified account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20
Company: ALLY FINANCIAL INC.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I have an Ally Invest account. This account was hacked at some point. On XXXX XXXX, 2019, the hacker sold my stock shares and then transferred money to an Ally Bank account in my name. This bank account was opened by the hacker but the owner is in my name. The hacker ( named XXXX XXXX ) was trying to transfer money from there to himself. ( This hacker also attached my other accounts at XXXX XXXX, XXXX XXXX, XXXX, but all those frauds have been settled quickly. ) I found this hacking activity on XXXX XXXX, 2019 and informed Ally Invest the same day and got back control my account briefly and then the account was locked up by Ally Invest. Since XXXX XXXX, 2019, I do not have access to my account. 

On XXXX XXXX, 2019, an Ally bank agent phoned me and told me the bank account would be closed because it was opened illegally and the money ( total {$6100.00} ) would be sent to me by an official check. So far I have not received anything. I urgently need my money back. But the lady handling this case keeps playing tricks with me, first said on XXXX XXXX, 2019 that she was verifying the official check with XXXX XXXX XXXX, and on XXXX XXXX, 2019 said the check was sent to my address. But so far ( up to XXXX XXXX, 2019 ), I have not received anything. 

This poor customer service of Ally Bank is totally unacceptable.

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 2017-10-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
debt collector ( XXXX XXXX ) violates the FDCPA by falsifying and reopening the collection account of {$1100.00} which was first reported on XX/XX/XXXX with a new open dateXX/XX/XXXX which  made it to look fairly new account resulting in further hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: EQUIFAX, INC.
State: NE
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:
Note : You have my authorization to conduct an investigation into my complaint. 

My name is XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. 

On XX/XX/XXXX, Equifax responded to my requests for verification of the above items. On XX/XX/XXXX, I sent Equifax a certified letter through USPS urging them to provide proof of a thorough investigation into how they were able to verify the above items in regards to FCRA 611 ( a ) ( 6 ) ( B ( iii ). I have attached proof of these requests. On XX/XX/XXXX, Equifax responded with an account history statement showing that these items were being updated on my credit report. Equifax still did not provide me with any transcripts of communication with the creditors listed in the requests. On XX/XX/XXXX, I sent Equifax another letter urging them to comply with 15 U.S. Code 1681i Section 611 6 ( B ) ( iii ) explicitly asking them to provide the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information On XX/XX/XXXX, I sent them a certified letter urging them on my intent to file a complaint with the FTC for their disregards of the law. Equifax then responded on XXXX XXXX with another statement of account history alleging that the five charged off items belong to me. On XX/XX/XXXX I sent Equifax my last request for them to follow FCRA guidelines and provide their method of verifying these items. At this point, I have exhausted all of my resources and this is my last attempt to get them to follow the law or delete these items from my credit report. To this day, XX/XX/XXXX, Equifax has yet to provide me with any proof that they have conducted a reasonable investigation into how they verified these charged off accounts. I have only received communication that they have conducted through E-OSCAR with ACDV forms, which does not satisfy 15 U.S. Code 1681i Section 6 ( B ) ( iii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Experian Information Solutions Inc.
State: MI
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:
I never owed anything to these people. Show my signature in blue ink because these accounts are showing closed and open on my credit report. Itemized screen shots isnt my signature nor my bill.

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 2020-02-05
Company: EQUIFAX, INC.
State: MI
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:
I never owed anything to these people. Show my signature in blue ink because these accounts are showing closed and open on my credit report. Itemized screen shots isnt my signature nor my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I never owed anything to these people. Show my signature in blue ink because these accounts are showing closed and open on my credit report. Itemized screen shots isnt my signature nor my bill.

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