BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-06
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company is CREDENCE, the letter head address is bogus. It is a company in Texas, but difficult to understand foreign speakers. I have tried to send notification in writing and received a return to sender. However, since XX/XX/XXXX I have made payments to this same address and the payments are accepted. The above number is a fax number. They charge late fees and the balance grows.Current balance is XXXX with XXXX in interest for a total {$1000.00}. i pay them XXXX mo It is a medical bill from an ambulance provider for my child .The balance does not go down but continues to increase. They send correspondance every 60 days or so. 
I have talked to several represenatives who tell me that the late charges and the calls will continue, if I do n't pay then what they demand. I have several bills from this incidence and I pay them regularly what I can afford, but they want twice the amount. 
I ca n't afford what they want. I tried to write them to get a payment plan and my letter was returned. Recently I had one of them to tell me to have my daughter fax them a letter stating that they can talk to me about the bill. They demand my daughter 's cell phone number, she is a XXXX and will not be able to pay them. She do not have a job and therefore can not pay them. They call from different numbers, to include XXXX, XXXX,XXXX, XXXX and sometimes local numbers They call three times a day on weekends. promptly at XXXX to XXXX. I have advised them that this is harassment, but the calls continue.

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 2021-03-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I launched a complaint with chase on XX/XX/2021 after receiving 31 individual retractions issued by XXXX XXXX. I contacted XXXX and they admitted to the mistake, stating they would launch a claim as well and forward this to their legal team. On XX/XX/XXXX Chase contacted me stating that they were deciding to close my account due to this issue. I was never asked for information supporting the claim and offered numerous times to show Chase the emails from XXXX XXXX and was never given that opportunity, despite advanced providing emails that they were willing to fix this. This closure has left my kids without food for nearly a week, as well as a rejection of the stimulus payment and personal employer pay as well causing irreversible damage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-22
Company: Global Lending Services LLC
State: OH
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 third time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX XXXX XXXX  # XXXX -XXXX XXXX XXXXXXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I sent Chrysler Capital a billing error notice ( see attached green receipt ) and they received it on XXXX. I sent it to the billing error department, Registered XXXX and XXXX XXXX XXXX. I, the consumer have the right to obtain clarification, including DOCUMENTARY EVIDENCE Pursuant to 12 CFR 1026.13 ( a ) ( 6 ). DOCUMENTARY EVIDENCE in accordance with 15 U.S.C XXXX for the books of accounts AS DESCRIBED in IRS PUBLICATION XXXX, ( which includes journals and credits of accounts, ledger, debits of accounts to verify the current accounting and taxes associated with this account BOTH PRIVATE AND PUBLIC ) WHICH XXXX HAS FAILED TO DO. Pursuant to RULES PENDING RESOLUTION 12 CFR 1026.13 ( d ) ( 1 ) ( XXXX ) ( XXXX ) XXXXr may not try to collect any disputed amount nor take adverse action directly or indirectly, reporting to any person about I, the consumer 's credit standing without XXXX resolving the billing error. Failure to comply mat be subject to forfeiture under 15 U.S.C 1666 ( e ). XXXX has responded, and by their own admission sent documentation, which is the lease agreement and payment history. WHICH IS NOT DOCUMENTARY EVIDENCE Pursuant to FEDERAL LAW and my right as a consumer. Please note the lease agreement file is too large to upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
In XXXX, I co-signed for a student loan for my nephew from a private bank which was not backed by XXXX XXXX. He graduated in XXXX and unbeknownst to me was making payments sporadically. 

In XXXX, I had to declare bankruptcy due to medical reasons and all my debs were discharged in by XXXX XXXX including my nephew 's student loans. 

My nephew stopped making even his sporadic payments and XXXX came after me. I informed them and submitted to them my bankruptcy discharge papers to them. This did not satisfy them. They kept calling and harassing me. 

Eventually they sold off the loan and my nephew ended up paying off the loan in full in XXXX yet XXXX kept reporting on my credit report and impacting my credit score as a charge off. 

To add insult upon injury they provided my nephew with a letter but they refused to provide me with a letter saying my name is not on the account. I have tried to dispute the account on my credit profile but the idiotic incompetent agencies keep listing this debt as verified and accurate. They then advised me to call the number on the credit report. 

When I tried to call the number on the credit the number of course was disconnected!!! Equifax, XXXX and XXXX are totally useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I filed a fraud claim on XX/XX/2020, for 3  unauthorized charges : {$100.00}, {$280.00} and {$40.00}. I sent over the claim form filled out and signed on XX/XX/XXXX. I waited 10 business days to be told that my claim was denied. I gave them very detailed information regarding the unauthorized usage of my debit card on the claim documents. My wallet was stolen that contained my card. The perpetrator used my card at a convenience store and bank ATM. I can see where my pin number was attempted multiple times by the perpetrator before being successful ; however, AmericanExpServe supposedly has " proof '' that it isn't a valid claim. Unless they have actual video footage, their findings are unsubstantiated, unfounded, and carelessly investigated. I am appalled with their investigation process ; it's inadequate and inept. I called multiple times to try to obtain the " documents '' they used to determine the outcome of my claim, but there's an extensive wait ( 3 hours+! ). In fact, I have to write them in order to find out what was used, which was NOTHING that is plausible. Absolutely absurd. Aren't you suppose to mail it? They made up a reason to deny my claim, literally! Those " documents '' could've been e-mailed, along with their very poor excuse for denying my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Exeter Finance Corp.
State: FL
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 have credit inquiries on my XXXX XXXX that I don recognized everything on my credit from XXXX to XXXX I havent authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: NC
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:
The following inquries i did not authorized. I tried disputing twice and they saying i did it. 




XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX , personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  and XXXX & XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I filed for bankruptcy XX/XX/XXXX. I reaffirmed my mortgage through US Bank Home Mortgage and they deleted one of the only good standing accounts I had on my credit report. This is not fair. I 've been paying every month since XX/XX/XXXX which was my first payment. When I called 2 months ago I was told they would investigate but nothing has happened. I want it back on my credit file in good standing as it has always been.

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 2021-01-02
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:
I am unable to login to the Equifax website so that I can dispute several inaccurate pieces of information on my report. I called Equifax multiple times ( see below ) and was told that an investigation would happen but nothing ever happened and the incorrect information remains on my credit report and I am not able to access the online Equifax portal. 

I called Equifax XXXX XXXX XXXX on XX/XX/2020 around XXXX XXXX and spoke with " XXXX '', call lasted about 20 minutes. I called again shortly after around XXXX PST after the previous attempt to fix the problem did not work and was given an escalations case # of XXXX. This call lasted about 40 minutes. 

I am still unable to login to my Credit report Account with the error message " Please call customer service ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
To XXXX XXXX, I am using this CFPB portal to dispute the following incorrect information appearing on my credit report. I just want to ensure that you receive my dispute in full detail and timely fix the errors on my report. The items I dispute are also circled in the attached copy of my credit report. 



First Disputed Item : Adverse American Express Account # XXXX Reason for Dispute : I closed the account and settled with American Express. We each signed a release of claims that included a future provision prevented American Express from reporting this debt delinquent after the account was settled. The credit report still shows a late payment of more than 60 days on the column marked XXXX, and more than 30 days late on the columns marked XXXX, XXXX and XXXX. This is the second time I am complaining about AMEX via the CFPB portal about this error on my credit report. I am attaching a letter from American Express as proof. 

on Monday, XX/XX/2021 I spoke with a representative from AMEX at XXXX XXXX and she admitted the account was listing in error that it is a primary holder but I am only an authorized user. Therefore this account is being listed as mine in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I applied for a " Discover IT '' credit card. and was approved, I sent in documents to prove my address and social security number and was told verbally that I was approved for a {$1000.00} credit line and my card would arrive in 7-10 day. so I wait a week and the card never shows neither does an decline notice. I checked back online after a two weeks for my application status only to get a message stating that I has been declined for the card and I would be getting a letter in 7-10 days. I 'm very confused as to why they would approved me then deny me for a credit card and why no denial letter was ever sent out. I sent them everything they asked for XXXX but I never received any correspondence from them after I think these are bad business practices and I ca n't help but think that is slightly discriminatory. My credit history is perfect never missed a payment on anything. So I really would like answers as to why I was approved then denied for a small credit line with no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: NC
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:
Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$6400.00} on the XXXX XXXXXXXX XXXX Partial account number XXXX as well as a collection/chargeoff in the amount of {$2800.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts are 7 years old. The original line items were removed from 2 of 3 bureaus due to 7 years of age and are reporting again. This false reporting is seriously harming my credit score and these line items need to be removed. This is a clear violation of the of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
This is a continuation of my previous complaint # XXXX. I 'm still requesting that my name be changed to my correct and legal name on my deed initiated by New Penn Financial XXXX XXXX XXXX. All of their supporting identification, which includes my driver 's license and marriage license, states that my name is XXXX XXXX XXXX not XXXX XXXX XXXX, as was reported. They promised to make this correction and never did. There has never been nor will there be any driver 's license, social security card, or other means of identification stating that my name changed at any point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Received a letter from New Penn Financial NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX regarding an FHA Streamline Refinance. They wanted my SSN to pull a soft report. I declined, but they said it was necessary for them to work figures. Gave them SSN. I later found out that they did not have to pull credit and that the credit report they pulled was a hard credit report. I have requested the hard credit report be pulled from my XXXX Credit Report as I did not authorize a hard credit pull. New Penn employees are either not trained properly or a doing something against the wishes of potential clients.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: California Accounts Service
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I am extremely disappointed with XXXX XXXX XXXX. Over 6 years ago I had work done at with XXXX XXXX of XXXX XXXX XXXX. They always told me they would work with my insurance company on payments. After 8 months they sent me the first invoice, a past due bill and threatened to send me to collections. I worked hard to settle with them even up 1.5 years after the work was completed. They stopped communicating with me and now after 5 years they sent me to a collection agency for twice the amount. I called the collection agency to try and settle again and was told that XXXX XXXX did not want to settle and instead instructed the credit collections company to report it as a collection account to the credit bureaus. They wanted to have my credit score damaged. 

I do n't think this is any way to run a business. I offered to settle and they have decided to be spiteful instead and damage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
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:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION TO MY CREDIT REPORT EVEN AFTER BEING NOTIFIED.

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 2021-03-19
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Letter was sent to L J Ross in XXXX about collecting on a debt. In the letter it stated for them to send me any information for : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
They sent a letter back with none of this infformation. The sent an account statement from the origial debtor XXXX XXXX. None of the information above was sent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$6400.00} on the XXXX XXXXXXXX XXXX Partial account number XXXX as well as a collection/chargeoff in the amount of {$2800.00} on the XXXX XXXX XXXXXXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts are 7 years old. The original line items were removed from 2 of 3 bureaus due to 7 years of age and are reporting again. This false reporting is seriously harming my credit score and these line items need to be removed. This is a clear violation of the of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove these however, I have not been successful.

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 2023-04-10
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: Public record information inaccurate

Complaint:
A public record from a court shows and shouldn't. The court does not report this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: NV
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:
In accordance with the Fair Credit Reporting act, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation