BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-03
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My first contact with this debt collector was in being sent a photocopy of a bill from the original creditor. 

I sent them an affidavit requesting documentation from this debt collector showing the contract from the original creditor stating the true and accurate final debt amount owed to the original creditor and stating that this debt collector was given the right to collect the original creditor 's final debt amount. 

The FDCP mandates that debt collectors have 30 days to respond to debtor requests for proof of true and accurate debt information. 

This debt collector did not respond nor provide me with any documentation. 

Therefore, I consider this to be a case of fraud and extortion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, 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:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXXXXXX Balance Owed : {$970.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$7400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Focus Holding Company
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
" There was no debt to begin with '' I used to be XXXX XXXX XXXX customer. In XXXX of 2016 I decided to discontinue using the service. I disconnected the equipment and returned it to the closest XXXX XXXX XXXX on XXXX/XXXX/2016. Then I tried to get XXXX to actually close my account. It took over a dozen phone calls and over 2 months for them to finally close it. Meantime their billing system kept adding new service charges and late fees. After the amount went over some threshold I started getting multiple robocalls per week from " Focus Receivables Management LLC '' collection agency to my personal cell phone. Even after I was finally able to get XXXX to close my account and remove all the bogus charges - the robocalls from the collection agency did not stop.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Today, the morning of XXXX XXXX, XXXX I received a credit monitoring alert via Experian that a new collection has now hit my credit file. Upon reviewing this incident, I noticed that this is yet again another account that was apparently fraudulently opened in my name sometime in XX/XX/XXXX. The creditor is XXXX XXXX XXXX to which I have never had any type of account with them. I have been a XXXX customer since XX/XX/XXXX, had only XXXX number throughout the past decade. It is my intent to contact XXXX XXXX XXXX tomorrow morning, XXXX XXXX, when their Fraud department is in the office and also dispute this directly with them accordingly. The following information is what is currently reporting on my credit file : XXXX Original Creditor : XXXX XXXX XXXX XXXX ACCT : XXXX Open Date : XXXX XXXX, XXXX Balance : {$6500.00} I am also concerned that this account is reporting a different name/ address and any contact info other than my own. The only name that should be reporting on my credit file is : XXXX XXXX XXXX or maybe some an abbreviation of my middle name to XXXX. 

**Also, upon now reviewing a recent file # ( XXXX ) to look up this information online more accurately, it does appear that the name and address associated with this account is indeed not mine. Please dispute this information as FRAUD accordingly and have it removed as quickly as possible according to the FCRA. Thank you kindly for all of your help up to this point. I can honestly say that in my dealings with Experian over the past few months, I am certainly appreciative and humbled by your expedited help and professionalism you have exhibited to me through out this horrible ordeal. Thank you kindly and I look forward to this being resolved as well. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: Focus Holding Company
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am filing a complaint for a debt collection agency. This agency is Focus Receivables Management XXXX XXXX XXXX. XXXX XXXX. XXXX, GA XXXX. XXXX This company has never attempted to contact me regarding any debt via phone, email, or mail. They reported this debt from a previous cable company from years ago as a collection on my credit report to all XXXX credit bureaus. I have since paid XXXX what was owed to them and this " collection '' remains on my credit report. I sent this debt collector a letter to have this removed from credit report as I was never notified of any debt owed prior to the report on my credit. This has had a detrimental effect on my credit score. 
Please accept this as a complaint against this collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
While trying to refinance we discovered that ExperianXXXX and XXXX all had the incorrect bankrupcy discharge date recorded ( XXXX ). The correct date is XXXX/XXXX/XXXX. Once I sent the correct court ordered discharge with that date on it to all XXXX, XXXX and XXXX changed it within 48 hours. Experian did not. I also sent Experian the court ordered paper showing that the court made a mistake and to vacate the order for the XXXX discharge, that the court ordered discharge for XXXX/XXXX/XXXX is the correct date. I have called Experian 9 times, each time explaining the issue, making sure they received the documents and explaining that we can not close without this information being changed. I have been hung up on, promised to be called back by a supervisor, and promised to be called back a manger above the supervisors. No body ever gets back with me. They say they have 30 days and have no empathy for my time constraint regarding closing on my refinance. Also there are XXXX mortgages in my file that are coded under payment history as XXXX. Which shows up in automated underwriting as a charge off foreclosure and not a bankruptcy. I even uploaded a screen shot from my mortgage company for Experian to see and they say they can not see it on their end. I am so frustrated because I feel their level of customer service and caring in nonexistent. Not only am I concerned that I will not be able to close in time to keep a lower interest rate but have no confidence that these issues will be corrected.

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 2016-01-05
Company: PLANET HOME LENDING, LLC
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
There is a lot I do n't understand on how Planet Home Lending is using my escrow account. I was expecting to have a lower mortgage payment but for some reason it goes up with some number that do not much my calculations.

Company response to consumer: Closed
Consumer complaint received 2017-10-11
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I received an email that a new negative account had been added to my credit report. I logged in to check the account and found that an account from XX/XX/XXXX had been added from XXXX XXXX XXXX XXXX. I paid the bill directly to the XXXX XXXX on XX/XX/XXXX, so I attempted to call the collection agency to clear this up. I was transferred to a woman named XXXX, who proceeded to tell me that the account was mine and that I must have " received multiple bills '' -- yes, I did and I paid all of them. She then proceeded to tell me that she has a " very old account from XX/XX/XXXX '' and that they were contacting a lawyer about the account. XXXX never even verified my identity on this call. She also stated several times that my credit would be damaged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone opened up a XXXX card in my name and I am being held reliable for this. I have disputed this identity theft numerous times and the credit reporting agencys just keep updating my report. I have made phone calls ... .written letters ... etc.

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 2016-02-24
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Billing statement

Complaint:
I have a Chase credit card that I noticed my balance on XX/XX/2016 was {$4100.00}, today XX/XX/2016 it rose to {$4200.00}. There has not been any purchases or activity on this account for several months. Chase is increasing the balance, without good reason, even though I paid {$130.00} last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have a closed account with Chase which I have recently paid off completely as of XX/XX/2016. The remaining balance at the last statement date was {$20.00}. I paid {$21.00} on XX/XX/XXXX and had a credit balance of {$0.00}. On XX/XX/XXXX, Chase issued a " debit adjustment '' and removed the {$0.00} from my account. When I called today and asked why they did this and why a check for this amount had not been issued to me, the representative said that Chase routinely does debit adjustments to accounts with credit balances of {$1.00} or less. I wanted to flag this for you because on an aggregate level, this must represent a very large amount of money that Chase is in essence stealing from customers. 
I was never contacted by Chase, either by an account notification, an email or a telephone call prior to the " debit adjustment '' occurring on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I would like to know why Experian has given me a score of XXXX XXXX XXXX & XXXX XXXX consider me an excellent credit score. 
Last year I furnished all bureaus the same settlement info. Recently I applied for a credit card with XXXX and was denied because of Experian 's report? I would like to know if they have some magical process that is some how different from the other XXXX? I bothered to fix my credit only to have it remain tarnished. It appears more political than ethical when it comes to banking.

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 2015-06-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I applied for an apartment and was turneddown because renters report said unlawful detainer ( landlord tenant court search ) I have never been evicted and have never been taken to court by landlord. There are XXXX names on my crefitreport that are not me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I applied for a business loan with my wife who was the guarantor on it. She filed for bankruptcy in XXXX and discharged the loan. Now the loan is showing up on my credit and affecting my score, please take the loan out of my credit report. 
Thanks, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Check was cashed on my account. I did not write the check. Check was stolen and used fraudulently. Bank states I did not report check stole but bank was told checks were lost since moved into new address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Chase Bank did a credit inquiry on my credit that I did not authorize. I did not authorize in any form or fashion. I called the bank to ask them to remove it and was told that they have been hacked into and credit inquiries were happening to a lot people and that I needed to call their IT security dept. The next day I called the security dept. and they said they would get it removed. I gave them all my information to get it removed. It has still not been removed yet. The inquiry was dated XXXX on credit reports, for whatever that 's worth. I do no business of any sort with Chase Bank, no accounts, nothing. I am still wondering how they got my information in the first place? Without sighed or confirmed to do so? Something fishy going on at Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2016 at approximately XXXX est I received a phone call from First Merit collections dept on a private number on my cell phone. I was unable to catch the woman 's name, but she proceeded to tell me that I have only been making partial payments for the past several months for our auto loan. When I informed her that information was untrue and offered to give her receipt numbers for the payments, then asked her where these extra charges are coming from she told me to hold for a moment while she listened to recorded conversations that I had had with XXXX other First Merit representatives who told me that if I paid {$340.00} by XX/XX/2016 that I would be current on the account that took place on XX/XX/2016 and also on either XX/XX/2016 or XX/XX/2016. After she allegedly listened to the recordings, she told me that the information that both representatives told me was wrong and that I owe them more money. When I asked what I owe them more money for she was not able to answer me aside from to tell me again that I was making partial payments. I explained again that I was only operating on the information that XXXX first merit representatives had given me, and that I plan to speak with the first merit office to correct the information. She told me they would not help me and only send me back to her and that one of the representatives had tried to call me back at the time when we initially spoke but I had no missed calls at that time and no messages left by anyone so I do n't believe that she was telling the truth. Then the collections representative would n't let me get off of the phone to go back to work until I had told her several times that I needed to go back to work and would have to deal with this at a later time. The caller also threatened to ding the account holder 's credit every day until I pay the amount they claim that I owe them. I have receipts to prove my payment dates and times for every payment since we got the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21
Company: Experian Information Solutions Inc.
State: TN
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:
Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have 2 late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them their.

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 2017-01-11
Company: Financial Corporation of America
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have an agreement with XXXX XXXX XXXX to make monthly payments, for which I am up to date. I am receiving letters from Financial Corporation of America stating they are debt collectors, that my bill is not paid despite previous requests and that my balance is seriously overdue. The amount quoted is not the amount outstanding on the payment plan. The hospital confirmed that my payment plan is up to date and not in arrears. Despite phone calls explaining that I am making payments I am still receiving these harassing letters which are causing me a lot of stress.

Company response to consumer: Closed
Consumer complaint received 2016-11-20
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The creditor did not verify this debt per FCRA rules within 30 days after receiving notice. 
I asked for verification and their balance reported to the bureau differs from what they claimed I owe. Without validation of the debt as per FCRA, they went on to report despite numerous letters to them. I have attached all relevant documentation.

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 2017-10-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I need your help in order to get in touch with my bank and try to solve my problem. I would like my Chase Freedom XXXX to please investigate all charges made by a company called XXXX XXXX. This company failed to provide the services that I paid them for. I paid them {$700.00} on XXXX/XXXX/XXXX and also on XXXX/XXXX/XXXX {$5000.00}. I already tried to dispute with my credit card companies but I do not appreciate the way they treated me and disregard my wishes stating that was past 60 days. I never got my services rendered and it is very hard to do anything in the first 60 days when the company you paid for the services is stringing you along. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
The Department of the Treasury website refers us to the Annual Credit Report Request Service. This service used XXXX, Experian and XXXX. I thought I was safe there. You should know that Experian ( which I never used ) allowed fraudulent use of my credit card to open an account with them for a person unknown to me. This is laughable, but terrifying, because the very company we are referred to to get credit reports and which claims to prevent fraud, was fooled into letting a person open an account with them using my credit card, and my address. 
Experian says : " We help businesses to manage credit risk, prevent fraud, target marketing offers and automate decision making. " They should be investigated to see if we are really safe with them. Cancellation # of the account with Experian and the first name and last initial of the party are available on request by the proper authorities.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
FAIR COLLECTIONS & OUT Account Number : XXXX look like this account is not mine, I asked XXXX to send me a copy of this debt with my signature on it showing that this account really belong to me and they fail to reply. I also never received a statement from their original creditor before sent to collection why??? 
Experian is really not helpful, this is my right ( XXXX & XXXX deleted, why Experian does not follow the basic procedure what proof do they have??? ). Please assist

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 2016-09-07
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to my requests to investigate and remove accounts that do not belong to me from 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