BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-19
Company: Focus Holding Company
State: CA
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:
Never had services with XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I purchased a money order on XX/XX/2016 ( to cover my rent ) at XXXX from XXXX, GA XXXX. I mailed it out on XX/XX/2016. It is XX/XX/2016 and my rental company still has n't received the money orders. Last week I contacted my rental company to ensure they had n't miss-placed them and also to advise them of whats going on. After carefully researching they have n't received them either. Monday morning I contact western union to track the money orders. After speaking with an agent he advised they have n't been cashed. He advised to wait a few more days because it can take 10-15 days in the mail ( Which I 've never known a money order to take that long ). He then proceeds to let me know after that I could file a claim and pay XXXX ( non-refundable ) to have them place a stop payment and it would take an additional 6-8 weeks before they could process it and send my money back to me. At this point I think that is ridiculous giving this is my rent money and I do n't have money just laying around to pay an additional XXXX to my rental company. I asked if he could send me an email detailing what we spoke about so I could forward it to my rental company and he told me no. I asked to speak with a manager. He proceeds to place me on hold for an hour and never came back. I called back and had to explain myself to yet another person who placed me on hold again for 30 minutes. At this point I am very frustrated. I called the next day and spoke with another young lady having to yet again explain the situation and I let her know I just would like to speak with a manager and for her not to place me on hold. She proceeds to get a manager. The manager gets on the line and I explain the situation yet again. She informs me there is a form she would have to send me via email and she could also send the email to me to send to my rental property. I thank her and wait 3hrs for this email that never arrived. I call back again only to explain the situation to another agent. The agent says oh she forgot to tell you it will take her 24/48 hrs to send you the emails. This timeframe is running into the holiday season which means I would n't technically receive the email until monday XX/XX/2016. I feel as if this is ridiculous and this is my rent money and I could be evicted and have a small son. Customers should not be treated in this manner. I do know that companies have policies and procedures but I also know they can bend for certain circumstances because the manager said they could. Whatever can be done needs to be done as soon as possible. My living situation is in jeopardy and I feel like the agents at western union could care less.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: TX
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:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have ignored my verfied claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2020-06-12
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have ignored my verfied claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2017-01-09
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Being sued by Pressler and Pressler LLP for balance owed on my hospital bill. I do not speak XXXX and at the time of my XXXX i was told that my out of pocket balance was {$1200.00} which i paid as my daughter was there with me and she translated for me. I received a notice of being sued and called with my daughter and was willing to pay the balance but now they added over {$500.00} for their fees. The doctors office " XXXX XXXX XXXX XXXX '' knew i did n't speak or read XXXX and told them to contact my daughter. They never contacted her but send me over to an agency that is suing me now. I am willing to pay what is owe for the procedure but not the additional charges. XXXX XXXX XXXX said my out of pocket balance was only {$1200.00} and not the additional {$1600.00}. Also, XXXX surgical should have called my daughter to get this resolved instead of sending it to Pressler and Pressler LLP so they could add additional {$500.00} plus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: FISERV INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I didn't receive enough information to verify the debt. 

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 mail, fax, email in a fraudulent 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 explanation
Consumer complaint received 2015-09-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a VA home loan with Chase. I had made every payment on time. We got a mandatory job transfer to CA and our child with XXXX needed medical treatment in California. We tried selling and short sale but could n't sell the house. In order to be considered for short sale or deed in lieu, Chase said we could n't be current on the mortgage. Once we went behind on the mortgage and moved. Chase keep transferring our paperwork between departments, losing paperwork, requesting paperwork we had already provided, etc. It took Chase a year and 5 months to finally say it was done. We now found out 3 years later nothing was recorded properly and it was still showing incomplete with the credit reporting agencies. I have been petitioning Chase to try to fix this and got some resolution. Chase now is reporting the Deed in Lieu took a year and reported us as behind the whole time. A law has been passed because of instances like this saying the process needs to be complete within 90 days. I have asked Chase to remove these late payments from my credit report and they refuse and have stated the process can take whatever time they need to complete it. I wish Chase had worked with us without forcing us to go behind in the mortgage and that the process was completed within a reasonable amount of time. Secondarily as I am looking into the laws on a Deed in Lieu it states that the lender can just accept the house in a deed in lieu and that the lender is supposed to negotiate this with the customer. Dealing with Chase was very confusing and they did take money from the VA and the deed to the house. As someone who served our country and is raising a child with a terminal illness I wish this had been more clear and that Chase had not taken my VA entitlement as well. I can provide more details on all of this if needed. This whole situation has been horrible and has affected me negatively much more than it should. Chase has even admitted they messed it up and were even showing incorrectly in some of their records that they had foreclosed on the house. I do n't think they even know what is going on with this account. I am trying to buy a house now in California and these issues are making it impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
EOS CCA ( Original Creditor : XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first XXXX initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a XXXX  mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX. Now that I contact this company about this alleged debt there is no response?? 


furthermore EOS CCA ( Original Creditor : XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: EQUIFAX, INC.
State: TX
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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I am XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, XXXX WI XXXX. My phone number is ( XXXX ) XXXX. My E-mail address is XXXXXXXXXXXX. I am in an identity case of the Court of Appeals of my State of the court case number XXXX. I have also filed a FTC ID theft affidavit serial numbered XXXX, and filed a I.R.S. form XXXX .I think people have taken loans out in my name that cost me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On Sunday, XXXX XXXX, XXXX, I completed an international money transfer to my niece 's bank account in XXXX, XXXX through Western Union 's online website. I followed the instructions and paid for the money transfer through my bank using Wu Pay. Today, XXXX XXXX, I received a call from Western Union who needed to verify the transaction. I answered their questions, even though I questioned the need for them. When the Western Union representative asked for my date of birth, I refused to give her that information, since I fail to see what relevance this has to the transaction. She said in that case, she would cancel the transaction. I asked to speak to the supervisor. XXXX, the supervisor, said the company was authorized by law to ask these questions. I called Western Union at XXXX and XXXX ( XXXX ) gave me pretty much the same information - that Western Union was entitled to ask these questions and he confirmed that the transaction was indeed cancelled. This is a legitimate transaction and I have used Western Union several times before without any problem. My identity should not have been in question, since Western Union contacted me by email several times over the years dating back to XXXX and I have used Wu Pay before as well. I am lodging this complaint because it seems to me that the consumer has no protection or rights - answer the questions, relevant or not - or be penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: APR or interest rate

Complaint:
Chase Bank has charged a higher interest rate than allowable by law. I incurred a charge of {$95.00} for my credit card annual fee on XXXX/XXXX/2016 and this was paid in full the following day on XXXX/XXXX/2016. The interest charged on this amount was {$1.00} which equates to 1.147 % per day or 418.79 % per year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: LEXISNEXIS
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:
Im reaching out because, I continually tried disputing fraudulent and erroneous accounts and personal information directly with the credit bureaus to remove them from my credit profile. The keep saying that the Lexis Nexus and providing them with the information. I have contacted them and they are saying my records are frozen and that no information is being sent from them. I contacted the court and they stated they don't even report to credit. It clear that one of these companies is lying. Especially since the credit bureaus were initially provided with documentation of an affidavit to report the identity theft. I work over the road as a truck driver and me and my father share the same first and last name even our our middle name starts with the same letter. I did not receive any response to the information provided. When I called I was advise to resubmit the information. This issue is continuing to destroy my identity. They ALL have failed to do my investigation in full and delete ALL the remaining fraudulent accounts on my credit file. In addition, Due to failure in NOT responding is an automatic FCRA violation of them not properly handing my dispute. I am just ready for this nightmare to be over with!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio debt management calls from multiple numbers have been informed to cease and desist, and that they are past both Oregon state statue of limitation of 6 years and federal FDCPA statue of 7 years, they keep stating that they can collect " as long as i am alive " that the statues do not apply to them, they called again today after another cease and desist from a new number XXXX, the harrasment has to stop the debt is no longer enforceable, and the do not care about the consumber protection laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I filed a dispute for XXXX on my credit card for a purchase XXXX XXXX tickets. I was scammed by XXXX XXXX and wanted my charge removed. The dispute number was XXXX. XXXX XXXX was the Chase employee that rejected by dispute. I feel that Chase should reconsider. I was unable to attend the show and was charged additional tickets in error. It seems that chase should protect their insureds from scams like XXXX XXXX. I have attached the response from me to XXXX. In addition I would think I should have received a call back from XXXX. I left her several messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I just found out about the Consent Order vs. Portfolio Recovery Associates , LLC. They sued me for a ( should have been ) Time-Barred Debt. 

My problems with Portfolio Recovery Ass. 
mirror nearly everything in the Consent Order that they were guilty of. 

I tried to go it alone at first. During the first day I went to court ( XXXX XXXX, 2013 ), they said I had been mailed a " Request for Admissions '' and I had never responded and no response means I said yes to the questions. I do not recall ever getting this, nor does anyone in my household ( and I stated so in court ). 

I receive other peoples mail in my box at least once a month. I can only assume that some of mine may go elsewhere too. 

I hired a lawyer to fight them in court, but we lost due to the " Request for Admissions ''. 

Many of the violations listed in the Consent Order, match up with my experiences with Portfolio Recovery Ass. 

1. Errors in the " Sale File '' including wrong account totals, page from a different account, no account level info. 

2. They did not investigate when I disputed the validity of the debt ( even in writing ) about having never made a payment. 

3. Called my phone at all hours, many times a day. 

4. Referenced legal action before any had begun. 

5. Only had " Request for Admissions '', could not provide any proof. 

6. Trying to collect on a Time-Barred account. 

I am sure there are more in the XXXX page Consent Order, but I think this shows how I was treated. 


I have not paid or said I would pay anything on the account, so I do not need/qualify for that part of the Redress. 

I did have to miss several days of work, hire a lawyer, do tons of research and backtracking to try and prove the SOL had passed, causing much XXXX ( I obsess ), worry and marital strife. 

I will attempt to attach a timeline of some events and a copy of my lawyer 's motions What I need to know, is how do I go about getting the Judgment dropped, my Credit record cleaned and my Legal fees recouped?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Experian Information Solutions Inc.
State: TN
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 several unauthorized and inaccurate accounts on my credit file i need them removed

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 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 several unauthorized and inaccurate accounts on my credit file i need them removed

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 2016-04-11
Company: Global Credit & Collection Corporation
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have all my bank statements indicating I made payments faithfully for over 3 years. This is not reflecting in this new collection agency 's report and their tactics of calling me all hours of the day are disturbing and harrasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

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