BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-17
Company: Ability Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter dated   XXXX   XXXX    2017, and  called the  Ability Recovery Services LLC to pay the debt. The original amount was {$69.00}, and they sent me a   collections notice for {$83.00}. I called to pay the {$83.00}, and was told they already sent my account to collections. I paid the " {$83.00} '' and completed my call. After a couple minutes the receipt came through on my email and they charged me {$88.00}. I called multiple times and the phone number no longer worked. I   XXXX    another number for them and called, and they told me that they charge everyone an additional {$5.00}, although they do not tell people. I was sent to multiple different people and they told me that the additional fees were not charged by them, but by the   XXXX   XXXX   XXXX  . After talking to the   XXXX   XXXX   XXXX   XXXX   XXXX  , she advised me they do not charge additional fees other than a late fee, which brought my account to {$71.00} and some change, and that the other fees were the collection agency. I told the collection agency that I did not authorize an additional {$5.00} fee to be charged to my credit card, and no representative told me they would charge my card an additional fee. After being passed around and put on hold for a lmost 20 minutes, they finally told me everyone was out of the office for the day and to m aybe try calling back tomorrow. Charging my card for an unauthorized amount is illegal, and it is not my fault that their representative failed to tell me there were additional fees on top of the fee that was sent in the collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Take the XXXX auto account off my consumer report its not suppose to be shared let alone displayed on my consumer 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 non-monetary relief
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my various attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. 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. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date Opened : XX/XX/15 Balance : {$2100.00}

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 2015-06-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian refuses to properly verify and investigate my XXXX disputes. They have, on many occasions, sent me hurtful and frightening letters accusing me of sending them suspicions letters and requests when all I am asking them to do is investigate and remove XXXX prematurely placed Tax Liens from the public records section of my file. TAX LIENS ID # XXXX and # XXXX are no longer reported in the courts as they were accidentally placed before the the due taxes were received. the courthouse and the county clerk have since been filed them as invalid and they have been removed. Experian 's is also required to delete these XXXX items. These public record items are no longer valid or legal. I have spent so much money sending them correspondences, ID 's, social security card copies, bank and billing statements and they continue to give me the run around. They have verified XXXX items that are no longer under my name and refuse to remove it. How are they verifying these items? I have requested them to provide me the PROOF and some EVIDENCE so that I know and see for myself that an investigation has occurred but they refuse to answer me or correspond to my requests. They have NOT conducted an investigation and i fear that they will continue to tarnish my great record because they do not want to help me and that they have no way of proving to men that they are properly investigation my disputes. They are causing me so much emotional and financial hardships and they continue to accusing ME of wrongdoings. I need the help of the government.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08
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:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2021-11-12
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A 1099-C cancellation of debt was sent to the alleged account holder from XXXX XXXX XXXX XXXX for charge off debt to be filed on tax return as earned income. By law, it can not be listed on alleged account holders credit report as a debt. According to the FCRA, this is an inaccurate account. Income filed on tax returns can not be deemed as debt. This account should be removed from the 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 2021-11-12
Company: Associated Collectors, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM VICTIM OF IDENTITY THEIF, I DID NTO AUTHORIZE CONSENT TO, NOR BENEFIT FROM. THEREFORE THE REPORTING OF THIS ACCOUNT IS IN ACCURATE AND INCORRECT. I HAVE REACHED OUT TO THIS COMPANY SEVERAL TIMES TO NO AVAIL. 
THEY ARE IN VIOLATION OF 'THE FAIR DEBT COLLECTION PRACTICE ACT '. 
THEY ARE IN VIOLATION OF " Fact, affiant is aware that XXXX XXXX, has violated my rights under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA )

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 2019-10-28
Company: EQUIFAX, INC.
State: DC
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 noticed a derogatory entry on my credit report, and called the company listed. It was a collections company, seeking payment on an XXXX XXXX XXXX account in my name. Someone opened up a phone line in my name, using my social security number - back in XXXX of 2019 and stopped paying on the bill. They owe about {$1500.00}. I called the collections company, XXXX XXXX XXXX, who insisted I file a complaint with you all as well as contact XXXX XXXX XXXX. I've reached out to XXXX XXXX XXXX and am awaiting whatever action they decide to take. This is a completely fraudulent account in my name and it should be removed from all of the credit reporting companies ' records of my financial behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 noticed a derogatory entry on my credit report, and called the company listed. It was a collections company, seeking payment on an XXXX XXXX XXXX account in my name. Someone opened up a phone line in my name, using my social security number - back in XXXX of 2019 and stopped paying on the bill. They owe about {$1500.00}. I called the collections company, XXXX XXXX XXXX, who insisted I file a complaint with you all as well as contact XXXX XXXX XXXX. I've reached out to XXXX XXXX XXXX and am awaiting whatever action they decide to take. This is a completely fraudulent account in my name and it should be removed from all of the credit reporting companies ' records of my financial behavior.

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 2020-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
capital one XXXX XXXX XXXX XXXX Ca Was closed for stealing my 1099 from my mailing address and the terroristic attack of XXXX from my bank account. They are complicit in multiple crimes all including corrupted local law enforcement ( staged looting and riots ). 

This was a crime prior to the onw the COMMITTED here in my other complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2021-03-23
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a XXXX XXXX in XX/XX/XXXX. I have never missed a payment and have paid more than the required payment on most occasions. I always mail my payments in and did not have an issue. In XX/XX/XXXX I did send a double payment via mail as usual. I received a call on XX/XX/XXXX from a phone number I did not recognize. I received a call the next day and I found out that my payment has not been received. I did make a payment for XXXX and XXXX while I was on the phone with Lincoln Financial on the same day. I did not receive any other communication from Lincoln Financial regarding the miss payment before XX/XX/XXXX. The day after the payment was made I was informed that my credit score has been negatively affected not for the late payment but for being delinquent for the total amount of the remainder of the lease. I have called Lincoln Financial at least 10 times regarding this matter. I was told that the dispute department only corresponds by mail. I mailed 2 letters to Lincoln Financial and finally received a response that basically said they stand by their decision. I could have easily blamed it on COVID and requested 3 months relief ( no payments for 3 months ). I do not think this situation was handled fairly, properly or professionally. I feel I am at the mercy of Lincoln Financial and they are not willing to listen or work with me at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital One, call me and I set up a payment arrangement, and they said they will not close my account because it was there error, And they send me a letter stating they are responsible for this bill

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: Other

Complaint:
I have been disputing a credit card account with Chase Bank and I sent them a Letter asking for the credit card agreement bearing my signature, the date it was opened, and the date of the first delinquency and they sent me a letter back stating that they could not provide me with any of that information because they sold the account. But when I dispute with XXXX, and XXXX it comes back as verified. Chase Bank is not able to verify this account so they are NOT GIVING ME MY DUE PROCESS of the FRCA and are reporting false unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Information is missing from my credit report and that is ruining my ability to access credit. Their response to my enquiry is that they are 'unable to honour your request to place credit information into your personal credit report. ' So what do I do?

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 2022-05-05
Company: PNC Bank N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have already disputed the inaccurate information on my credit report with PNC Bank NA in accordance with 15 U.S.C. 1681s-2 ( a ) ( 3 ).

The provision of subsection 1681s-2 ( a ) is enforced pursuant to 15 U.S.C. 1681s-2 ( d ). PNC Bank N.A . provided an inaccurate open PNC Credit Card Account in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) The consumer ( complainant ) requested to close his BBVA credit card account. 

Consumer declined the PNC Points XXXX  XXXX XXXX Credit Card and rejected the PNC Consumer Credit Agreement. 

PNC Bank NA falsely reported to the consumer reporting agency that the consumer had an open PNC credit card account. The consumer never open a PNC credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$73.00}.

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 2017-10-13
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am elderly XXXX years old on a fixed government income and I have told Mercantile Adjustments Office & XXXX XXXX XXXX XXXX XXXX and Headquarters ( Mailing Address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX To stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have several Navy Federal Credit Union accounts that were investigate because my accounts should state paid as agreed. I never missed a payment with the creditor and my report is showing negative information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX was supposed to service my apartment with internet. XXXX representatives failed to show up for installation failed to deliver equipment there for i received zero service from XXXX. XXXX never at any time serviced my apartment. I cancelled the account. Later on credit control has a collections amount of XXXX which I disputed with them. They refused to listen to what I had to say and ignored my emails and proof that I never recieved any service with XXXX. I have disputed with credit bureaus as well. I do not owe XXXX  anything because they never installed service in my apartment. I never have received any type of service from XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I used my Chase Visa Debit card to pay for several purchases in XXXX on XX/XX/2016. The bank, without my knowledge or consent, charged me exchange rate " fees '' totaling {$4.00} for the privilege of using my card outside the country. These fees were both misleading and deceptive as I never agreed to them and would not have used the card had I known in advance. Chase has refused to amend the situation and reverse the charges, stating that they do n't have the " authority '' or ability to give me a credit and told me I should have contacted them prior to my trip so I could turn on a notification regarding those charges. Chase NEVER communicated any of these things to me prior to my trip and, frankly, I do n't know how many people call their bank before taking a trip nor should they be required to. The fees are misleading and fraudulent and I want them removed immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
While reviewing information on the fedreal trade commission site, i found information for the breach settlement for XXXX. In order to verify your eligibility you must leave the XXXX site to go to the link to check for eleigibilty. I left the XXXX  site and was on the XXXX area. I placed my last name in and last six of my social security. The site stated that I was impacted and needed to file a claim. When I went into the claim area it said that the claim was expired but I could file an extended claim. It said I had a deadline, but the money may run out. Why would I have not been informed of such an impact that I am dealing with right now, since this is the 4th claim I have filed in the last month. I knew nothing about this breach.

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 2020-04-08
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a few collection letters. I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My Wells Fargo account keeps getting made dormant because I do n't write checks or use the ATM or debit card or visit a branch. It is hard to do any of these things because I do n't live in U.S. The account is constantly being used, however, for electronic deposits and withdrawals. When the account goes dormant, I am unable to transact online and I have to call in

Company response to consumer: Closed with explanation