BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-30
Company: CREDICO. INC
State: SD
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/2021 I received a vague threatening letter from CCB ( Credit Collections Bureau XXXX XXXX XXXX XXXX XXXX, SD XXXX ph # XXXX XXXX XXXX ) saying that I owed them money. There was a vague charge listed on the back of the bill of an amount of a supposed medical bill from a hospital with no date of when these supposed charges occurred. There was also a separate charge of " interest '' with a huge amount, almost as much as the principle, supposedly owed. ( Medical bills do not accrue interest and the hospital doesn't charge interest on medical charges. I called the hospital and asked. ) The hospital didn't know what charges I was referring to, and said they don't charge interest on medical bills. ( I didn't pay any medical bills on credit cards the supposed medical bill charge came right from the hospital. ) I called CCB on XX/XX/2021 and was hung up on multiple times by CCB reps when I asked where and when the charges originated from and where and when the supposed interest charges came from. The CCB rep hanging up on me is CCB admitting guilt of making up charges and trying to scam me. I finally did get two scam reps to speak with me, one quite threateningly, who I spoke to lastly. The first scammer rep of CCB I spoke to described how CCB 's scam works. The CCB rep admitted to me that CCB makes up " charges '' and then " assesses '' fraudulent " interest charges '' to every " account '' and then CCB reps try to collect on it. The CCB rep then tried to collect the fraudulent " charges '' from me, and when I refused he hung up.

I called back and talked to a different rep of CCB. The scammer rep of CCB on the phone then threated to sue me if I didn't pay the whole " bill '' by phone right away. He then thre
ated me, saying he would add more " interest '' to the " bill '' if I didn't pay the full amount " owed. '' The CCB rep then stated that CCB will ruin my credit if I don't pay. When I refused to pay, the CCB rep hung up on me. Both CCB reps I spoke to said that managers " were busy '' and refused to transfer my call. 

I called CCB again the next day ( XX/XX/2021 ) and was hung up on. CCB reps hanging up on me is CCB admitting guilt of making up fraudulent charges and trying to collect them. It is an admission of guilt on CCB 's part. 

I called CCB again the next day ( XX/XX/2021 ) and spoke to a CCB rep who confirmed this is how CCB operates and when I said that CCB is ruining my credit, the CCB rep stated on the phone about CCB, " it is always their fault. '' " It's always their fault. '' This CCB rep openly admitted twice that CCB scams victims all the time and ruins the victim 's credit. When I asked to speak to a manager the CCB rep said he would " place notes on my account '' and then he hung up on me without transferring me to a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: EQUIFAX, INC.
State: IL
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX  ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection

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 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-05-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax refuses to remove my consumer statement per my repeated requests. Despite numerous phone calls to Equifax over the last several months, and a certified letter, this consumer statement ( placed in XX/XX/2019 ) still remains on my report. Equifax representatives claim my consumer statement has been removed, yet every single day I login to my account and my consumer statement is still there. 

Each and every one of the Equifax representatives Ive spoken to on the phone are extremely difficult to understand as they speak English very poorly. I do not yet speak XXXX well enough to discuss my issues in their native language, so unfortunately we must communicate in English, in which understandably they are not proficient. I have tried to get around the immense language barrier by sending my request in writing via certified letter, but this also continues to be ignored by them. Equifax is an abomination of an organization. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX/XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX, 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 2021-01-17
Company: EQUIFAX, INC.
State: NY
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 taken advantage of i am A victim of identity theft there are accounts that are on my credit report that i never authourized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: EQUIFAX, INC.
State: GA
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:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA,  FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: JPMORGAN CHASE & CO.
State: NY
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 taken advantage of i am A victim of identity theft there are accounts that are on my credit report that i never authourized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: R.M. Galicia, 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: Account status incorrect

Complaint:
Received collection notice from Progressive Management System in XXXX of 2019. Contacted agency immediately to inform them I had applied and been approved for financial assistance from XXXX XXXX Hospital for whom they were collecting. Told them the amount my bill should only be 50 % of what they were showing due. The representative I spoke with told me " O.K., we will look into this and if we need anything else will be in touch with you. '' Shortly thereafter I received a bill directly from XXXX XXXX XXXX for office co-pays which I knew I had paid at the time of service. The gentleman from the hospital billing dept. explained to me that since I had a past due balance they had been applying my payments to the oldest balances I had open which I assumed included the past due balance with the collection agency. I paid the hospital bill at that time and thought that was the end of it. Recently while paying bills through my bill pay I decided to check my free credit score since I had recently open a new credit card. I have not had a negative mark on my credit report for over 10 years. My report will also show that I have made my payments when due 100 % of the time. I take great pride in making sure my credit rating is not damaged by late payments or failure to pay. When I checked my score I noticed it had dropped almost 50 points. I discovered that PMS had reported the original debt, at the original amount to my credit report. Had I been informed that PMS had failed to investigate I would have gladly paid the full amount just to keep it from not reporting. I disputed the amount of this debt when I received the collection agencies notice and expected them to investigate or at least direct me to supply them with written proof. According to the Brady Decision collection agencies are, at the very least, required to report a disputed debt as so. PMS did not. I do have documents stating that I was and am still approved for financial assistance with XXXX XXXX Hospital. 
The reason I had applied for assistance was because I was off work due to a XXXX. 
I have also included that paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: U.S. BANCORP
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Unsolicited VISA credit cards in my name and in a name I do not recognize for the same account number. Received XX/XX/2019. 

Received from US Bank National Association, XXXX. XXXX, XXXX, ND XXXX. 

A letter describing the above has been written and is being mailed to US Bank Association today, XX/XX/2019, along with a request to close the unsolicited account and provide written proof that it will not notify a credit reporting agency as to closing this 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 2019-05-28
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:
Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system..CHAPTER XXXX BANKRUPTCY 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 2019-10-19
Company: JPMORGAN CHASE & CO.
State: IN
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:
On Saturday XX/XX/2019 my friends and I attended the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX infield. I stood in line to buy drinks for the three of us, we elected to get two each. At {$10.00} each this would cost us {$60.00}. I gave them my card and when they swiped it, it gave them a working sign, I waited for 10 minutes so I could sign and tip them, but the process never completed. It was a blank screen with the spinning circle. I checked my account on my mobile app and it still had not approved. They said they were having internet issues and Id have to pay cash. I didnt have cash so we didnt get the drinks. A few days later, I found a {$69.00} charge on my account. The charge had completed and they added themselves a 15 % tip! I called Chase and gave them all of that information. They said theyd disputed it, gave me a credit. I didnt hear anything until today when I received a letter saying the claim was denied and they were taking my credit back. They explained that because they provided a signature visa sided with the merchant. I asked them to dispute again as fraud and they refused. They told me I had to work with the merchant directly or file a police report and pursue legal action since I was accusing them of fraud. I asked if they had a phone number for the merchant so I could call because I could not find anything by searching the merchants name and when I tried to call the venue, nobody answered. I never received anything for this transaction and I never signed anything. I feel like Ive gotten nowhere with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have tried multiple times to use my XXXX XXXX credit card to purchase items and the company says they are having trouble with the IT department. This has been going on for over two weeks and Im still being charged for interest on a card I can not use. I can not make purchases over the phone or online. Ive made multiple attmepts to call them and they have not offered any solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was renting a home through a XXXX XXXX XXXX out of XXXX, AZ I ended my lease agreement with them on XX/XX/2017. They took my security deposit because they claimed of cleaning fees, which they have no proof of. Then that added a balance due amount of XXXX dollars for cleaning which was done falsely by an employee that no longer works their. They forwarded this balance due to collections after requesting proof and justification for the added balance due. Now this balance is at national credit systems collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  - XXXX , XXXX XXXX  ,, XXXX XXXX  , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX , XXXX  XXXX XXXX, 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 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Since XX/XX/2021 Transunion has been violating my consumer rights by incorrectly reporting someone elses address and accounts onto my account. I have sent numerous proofs of identification and address verification to this company. They have no only ignored me but kept me on the phone for hours telling me these addresses and accounts are mine. I investigated with their data furnisher and the creditors and they do NOT have information related to me or any account opened with them.

This has all led to much strife in my family life and has prevented me from applying for unemployment benefits, being approved for business credit, and purchasing a vehicle. This company acts in an abusive manner to the consumer. This is not a frivolous complaint. This information needs to come off my report now.

The following address and attached accounts NEVER belonged to me.I have submitted my proof of identification and address along with utility bills multiple times and they continue to report and ignore me. Remove the following addresses and stop violating my consumer rights : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, CT XXXX Remove the addresses associated with these accounts Immediately!!! 

ACCOUNT NAME/ACCOUNT # 1 ) XXXX XXXX 2 ) CT CHILD SPY XXXX 3 ) 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