BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Today I received a 2nd call from XXXX ( XXXX XXXX XXXX ) regarding an alleged debt they are trying to collect on. 

Today however, they called my son ( how did they get his cell phone number? ) who called me and gave me their number so I called them to find out who they are. A lady answered " XXXX '' and I asked my questions, ( who they are, what they do etc ) after answering my questions she asked " can I get your name? '' I replied " No, I just wanted to know who you were '', as i went to hang up the phone she says " wait are you XXXX? ". Now I would like to know how she knew who I was since I was calling them from my employers land line. 

Also, when she asked me to confirm the last XXXX digits of my social, which she had correct, she stated this was for some outstanding debt from many many years ago, I said that they had called me before, about a month or so ago and this was illegal, she responded with " no, we just bought this debt, we 've never called you before ''. I then asked how they could " just '' buy a debt that had been paid in full or dismissed in a bankruptcy 10+ years ago and of course she says she does not know and will remove my name from their list. 

Now I understand there are bottom dwellers all over the world, as well bad debts, but this and all debt collection processes are regulated by federal & state law. I believe it is time for these people to answer for their blatant disregard for those Federal & State Laws as well as their deceptive scare tactics and lies. 

They have multiple complaints filed with the XXXX which they are not members of as well as multiple complaints filed with various agencies around the country and lots of bad reviews. Their online presence also consists of several fraud warnings suggesting they are a " scam ''. 

I would like to see these guys either put out of business or seriously fined for their illegal acts if they are a real business or arrested if they are a scam. 

The information they provided me is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX Phone : XXXX FAX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY FOURTH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, authorize nor benefit, from any of the following inquiries. Block and remove the following that's on my 604 letters.

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 2020-08-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I pulled my credit report and found accounts on there that do not belong to me. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty 1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
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 XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2016, I opened an account with XXXX. I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Harley Davidson Financial Services Inc
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Harley Davidson Financial Services.

I am currently behind on my loan payments and have been trying to catch my past due payments ( past due interest ) when it was brought to my attention that every month the finance company is applying partial payments to the past due interest and the rest to accrued late charges. This has been an ongoing issue for over 12/mos now. With this being said. I trying to discuss with finance company that you can not apply partial payments to the past due payments so late fees can be covered they advised me I was incorrect. When requesting a detailed breakdown of the last 12/mos of payments, I received a breakdown of each months payments with no evidence reflecting the reduction of principal, past due interest or any amounts that have been applied to late charges collectively showing the application over the 12mos of late charges paid. his has been an ongoing issue with Harley. Please assist in resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I pulled my credit report and found accounts on there that do not belong to me. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty 1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX # 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 XXXXXXXX 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 2022-02-21
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means XXXX has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
On XXXX/XXXX/15 I signed-up for a Wyndham Rewards Barclay VISA Card as part of a Wyndham time-share program I purchased. The Barclay VISA card was used for the down payment. The terms of the Barclay agreement I received on XXXX/XXXX/15 stated that the balance transfer terms were 0 % APR for balance cfers made within 45 days of opening the account. When I received the credit card in the mail about 2 weeks later, the balance transfer terms were stated to be 0 % APR for xfers made 0 days after opening the account. This is an error I would like to get fixed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THERE ARE HARD INQUIRIES ON MY REPORT THAT I DID NOT AUTHORIZE : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Fidelity Properties Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was unaware of the debt and did not receive a notice and opportunity to dispute these accounts : FIDELITY PROPERTIES IN XXXX XXXX XXXX XXXX XXXX XXXX In addition, these accounts do not have LAST DATE OF ACTIVITY. Please remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: TENET HEALTHCARE CORPORATION
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Central Financial Control has numerously told my mother from beginning that they wanted to be paid in full, my mother has sent monthly payments which they process but constantly tell her that they want full pay of debt or that they will ruin her credit or take her to court. My mother has increased payments explaining to them she cant afford to pay off debt in one installment to which this collection agency continues to threaten my mother with ruining her credit and or take her to court. They will not stop threatening her on phone calls or letters demanding full payment or a monthly amount my mother can not afford as she only works part time.

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 2022-02-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX/XXXX/2016, I opened an account with XXXX. I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Netspend Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I was locked out of my account by Netspend after one try to login online and check my balance because my card was being declined after trying to make purchases. I found out that netspend put a lock on my account after I added my last XXXX to the card. After getting in touch with an customer service representative they asked me to email my id, social security card and a proof of address which I really didnt want to do because I dont know how they handle such sensitive information yet I sent it and at first they declined and said I needed to send another photo of the social security card because at this point they are bullying me and being irritating.The photo of the card was visible and a tiny little corner was cut off and barely noticeable. The name or number was clearly visible and not cut off in any way. So I sent another photo of it and Im being ignored now. They are giving me a very hard time to access the money no matter what and they know its me trying to access the account because I sent in everything they asked. Even after I told them someone is sick in my house and I need to access the money they are ignoring my request. It feels like Im applying for a huge loan from them or some sort because I have to jump through so many hoops to access my money. I have XXXX children and this is putting us in a hardship during this covid crisis. Im wondering how long this is going to go on and what they will ask for next.I would like to request help if possible.Thank you.

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 2020-08-16
Company: Experian Information Solutions Inc.
State: OH
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:
THIS IS MY SECOND REQUEST FOR VERIFICATION OF ITEMS ON MY CREDIT REPORT. 
There are still items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. 
1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
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 2015-05-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX of XXXX I reviewed my credit reports from both Equifax and XXXX. I noticed that both my primary mortgage with XXXX and XXXX mortgage with XXXX XXXX were incorrectly being reported as part of my Chapter XXXX Bankruptcy. Prior to the confirmation of my Chapter XXXX case the home was sold in XXXX of XXXX and both mortgages were paid in full. Both of these accounts were ordered expunged from my Chapter XXXX case in XXXX of XXXX because they were not included in my bankruptcy. In XXXX of XXXX I opened disputes with both Equifax and XXXX. XXXX corrected their records after investigating and they now correctly report the mortgage as not included in the Chapter XXXX Bankruptcy. XXXX XXXX replied that they are reporting it correctly as included in my Chapter XXXX Bankruptcy based on their records. Copies of the Federal Bankruptcy judge 's order, the mortgage satisfaction document from XXXX XXXX, the XXXX XXXX mortgage marked PAID IN FULL have been included with each investigation in XXXX of XXXX and also separately to XXXX XXXX on XXXX XXXX, XXXX. I also included my current Chapter XXXX Trustee report showing the XXXX XXXX mortgage as expunged and provided my Chapter XXXX Case File number so that XXXX XXXX can verify the data themselves as a creditor at XXXX the Chapter XXXX Bankruptcy National Data Center. Despite receiving multiple copies of the Federal Bankruptcy court order and supporting documentary proof, as of XXXX XXXX, XXXX XXXX XXXX insists they are reporting the account correctly as being part of a Chapter XXXX Wage Earners Plan even though it has a {$0.00} balance, was paid in full and ordered not to be part of the Chapter XXXX Bankruptcy by a federal judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have paid off several debts with pressler and pressler a debt collector. however they keep sending communications about debts which have been closed.I believe they keep my name on file to operate a scam. whenever I make contact with them and try to get verification of the debt they refuse to corporate.The debts I have already paid were beyond the original amount owed.They often carry out their scam under the protection of the sheriff deputy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In the years XXXX to XXXX, Bank of America has been charging me for a Safety Deposit Box I have never used when I signed up for it when I was an employee in XXXX. It was free at the time till I XXXX XXXX. I got noticed that I had to pay in XXXX {$63.00} a year. I tried to close out account in XXXX XXXX branch and attempted several times to close it and no one could help me. I attempted to schedule time to meet with locksmith cause that was the procedure to open box first since I lost the key but no one ever contacted me. I have called the branch several times to resolve this and they keep giving me numbers where I can reach no one. I visited the branch and no one was able to help me. 
This has been ongoing for 6 years and I just want to close out this safety deposit box and not get charge {$63.00} every year that is taken automatically out of my account. I have payed {$440.00} for 7 years and have never used this service. Could you please help me get this resolved. I just need to be paid back what they owe me for all these year and close out account. Also I never authorized for this to be taken out automatically from my account. Thank You.

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