BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-02
Company: LDF Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company is calling as an attorney stating they need me to meet them at an undisclosed location to sign certified documents. I explained that this debt was opened by an ex cohabitant and then the company called my significant other and left my personal information on HIS voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dear Sirs, XXXX XXXX XXXX is saying I owe them for a charge to me by Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  {$900.00} XXXX XXXX XXXX XXXX  XXXX XXXX .for XXXX for the last 1 1/2 years i thought this was from an old XXXX XXXX account but after farther investigation I came to find out that it was a medical bill and should have been sent by the collection agency to my insurance company and gov. heath agency that handles those type of bills and charges. This bill should not have even got this far in the first place, and if it had been handled correctly to begin with, would have been paid in 2018 and no longer in existence. Due to this wrongful collection my score is XXXX. My credit score is keeping me from owning a home and owning proper transportation which in Texas if you don't have a car you can forget about advancement socially or making your life better. Your left at the mercy of social programs and volunteers and others. So I started investigating the collection that has virtually kept me financially impotent for 2 years.. I tried to file a dispute but every time I did Experian would not let me and then even worse they would erase or delete all my work and research hours of gathering information gone. How? losing all that work and time spent, causing me to feel hopeless and depressed making a person feel like they should giving up. 
I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have XXXX, XXXX, and heath insurance through XXXX XXXX so all of my medical and health related financial responsibilities are covered by those 2 agencies and 1 private insurance company. for 10 years. 
So tell me why has XXXX XXXX XXXX been ruining my life and tarnishing my financial credibility and have for 2 years all opportunities in my social advancements and all financial and monetary gain and will continue to do so for years to come? 
Experian would not even let me file a Dispute against XXXX only after I filed with XXXX  did they follow suit? 
XXXX XXXX XXXX had no phone number or email NO CONTACT INFO.. It has now been updated with a phone number and address

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 2022-10-02
Company: JPMORGAN CHASE & CO.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Through my XXXX account I applied for a JP Morgan Chase issued rewards credit card. Chase pulled my credit report on XX/XX/2022. When I contacted them in XXXX because I had received no response I was told to just resubmit an application which I did. Chase again pulled my credit report on XX/XX/2022. I know for a fact that my credit score was good/excellent on both occasions. The credit applications show as hard inquiries on my credit report and did slightly decrease my credit score. It is now XX/XX/2022 and I still have no response to either application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please be advised that Credit Bureaus are reporting the wrong address information on my credit report.Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Delete these incorrect addresses right away pursuant to FCRA Section 605B ( a ). 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please be advised that Credit Bureaus are reporting the wrong address information on my credit report.Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Delete these incorrect addresses right away pursuant to FCRA Section 605B ( a ). 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 non-monetary relief
Consumer complaint received 2016-09-26
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XX/XX/XXXX I had called Barclays Credit to see why I have not been accruing points. A very nice person named XXXX told me about an offer where I would be able to obtain a loan from Barclays for {$4000.00} I was told that this process would take 2-3 days and the money would be in my account. This was told to me as an incentive as opposed to a balance transfer since the speed to which I would get my funds would be 2-3 days as opposed to 7-10 business days. I was also told that my APR would be 0 until XX/XX/2016. 
I submitted this request with XXXX on XX/XX/2016 and was told that I was approved and to expect the money in my checking account by the end of the week. This was not the case. I called Barclays several times and was told that I was misinformed and that this is considered a balance transfer and would take 7-10 BUSINESS days not regular days. Im am upset as this is clearly a UDAAP issue as I dont have the funds and there is a hold on my account for {$4000.00}. In addition I was told that my current account would start to accrue apple points and it has not. This is not fair and extremely deceptive. In addition they told me the request was placed on XX/XX/XXXX which is inaccurate.

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 monetary relief
Consumer complaint received 2016-04-03
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I opened a Barclay card account and ordered a card for myself and an additional card for my spouse, when my spouse card arrived the paper receipt with his card had the entire card number printed on it, which I think may be a FACTA violation, I know retailers can not print more than XXXX numbers of your card on any receipt so I find it unsettling that a card company would print the whole card number on a receipt, this was not a bill or statement it was a receipt that came with delivery of the card so really was no reason for the number to be printed on the paper, as it is printed on the card. Printing the whole card number on a paper just makes it one more security issue, so I am thinking do I keep the paper for records and risk anyone ever finding my card info, or shred it and hope that no one can piece it together and steal my info, so now I 'm saving the paper and just purchased a large locking file cabinet to try to keep this and other papers locked up so this card seems to have already cost me XXXX bucks and how can I expect a retailer to keep my info safer than my card company is willing to, it is all very disappointing. You get a credit card for security, but now instead of feeling more secure I just feel like I have one more thing to worry about .Tried to contact Barclaycard , as soon as I mentioned FACTA violation I was placed on hold and then they hung up on me.

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 2020-08-04
Company: Roberts Markel Weinberg Butler Hailey PC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX, I emailed XXXX XXXX XXXX XXXX/XXXX XXXX, located at XXXX XXXX XXXX # XXXX, XXXX TX XXXX, that I was attempting to bring Home Owner Association Dues in the amount of ( {$250.00} ) current, after dealing with Covid and health issues. I also inquired about some of the financials of the Association as well. I received a response from the Association on XX/XX/XXXX, advising that they would be charging late fees. 

On XX/XX/XXXX, I received a letter from RMWBH ( Roberts Markel Weinberg Butler Hailey ) the law office that represents the Association advising that a lien was being placed on my property with the threat of foreclosure, and now the payment owed is {$440.00} ( which includes their fees ). 

Although I feel this is retaliation for questioning the funds, HOA 's and their lawyers feel that the eviction and foreclosure moratorium does not apply to them, and they can continue to demand late fees, and threaten homeowners with liens and foreclosures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I received a bill for XX/XX/XXXX that stated a promotional balance of {$720.00} due by XX/XX/XXXX. I also received a letter from the collections agency for this creditor the same month. I spoke to the collections department of care credit on XX/XX/XXXX and confirmed that if I paid the full amount of {$720.00} by XX/XX/XXXX my remaining XXXX did would be {$0.00}. I mailed in the check to them the following week along with my paper statement and they received it XX/XX/XXXX. Then I spoke to them XX/XX/XXXX concerned because I received a bill from them with a reminding balance of {$150.00}, and did n't understand why when I paid the promotional balance offered. I called XX/XX/XXXX and was told that a complaint would be forwarded for me and that someone would be calling me to follow up with the complaint. I never received a call regarding my complaint it was merely put into the notes section. My most recent phone call was with the account manager in customer service named XXXX who was very unhelpful and did not want to provide me with much information. She stated I was never offered a settlement amount, there is no such thing as a complaint department who I was told would be contacting me. When I asked if I could know who I spoke to to get the call reviewed because they are monitored and recorded, and prove that I was confirmed that if I pay the XXXX in full my balance would be XXXX $ she refused to offer me help. I used my care credit account for a XXXX transaction for my daughter XX/XX/XXXX in the amount of {$350.00} which I plan to pay but I will not be paying the remains balmce of {$150.00} as this should be taken off from the settlement amount.

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 monetary relief
Consumer complaint received 2015-12-26
Company: SYNCHRONY FINANCIAL
State: ID
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Refuses to report to the credit bureaus that this debt is paid after they settled with me. Paid off settled amount and now is stating I owe remainder and that the payment is late. Tried multiple times to contact agency and then transfer me and will not talk with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Collection Technology Incorporated
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I work for free - XXXX. CTi contacted this XXXX XXXX that I XXXX for with an Employment Verification FAX. Using a fake name. XXXX XXXX. The XXXX sent me the form and I have all the info on them. They could have tarnished my name, my daughter 's well being ( XXXX. ) Please tell me this is wrong?! 


Collection Technology Inc C T I XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Contract Dispute Law Firm Solutions To Your Dispute Needs. Call To Learn About Your Options. 

XXXX Collection Technology Inc A privately held company in XXXX XXXX, CA. Is this your business? Claim This Profile More Details for Collection Technology Inc Categorized under Adjustment and Collection Services. Our records show it was established in 1960 and incorporated in California. Current estimates show this company has an annual revenue of XXXX and employs a staff of approximately XXXX. 

Company Contacts XXXX XXXX XXXX Chief Executive Officer

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, I attempted to open an account with a credit union. Apparently they use Chex Systems , Inc. for a check before allowing you to open an account. Chex Systems responds with " Driver license is not on state file '' so I was declined. This has never happened to me before. I asked them to run it again, same thing. I contacted the local Division of Motor Vehicles in XXXX XXXX, MO who indicated my driver 's license is on file and the driver 's license number is correct. I then contacted the Missouri Department of Revenue in XXXX XXXX, MO who also confirmed my driver 's license is on file and the driver 's license number is correct. I 've sent a letter explaingin all this to Chex Systems , Inc via fax to their complaint department and consumer relations department XXXX XXXX, 2015 and have heard nothing back. This is a time sensitive matter for reasons I wo n't discuss here and have spent several hours trying to figure out how to get this inaccurate information taken care of quickly, so it has me extremely frustrated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission.XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-30
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On XXXX/XXXX/2015 Identity Theft report. For medical bill and cable bill. On my credit report. I mail copy of police report, copy of my social security card and driver license to XXXX. Then I received a letter from XXXX Please be advised that XXXX, at this time, will not block the information subject to the submitted identity theft and / or police report you provided as part of your dispute. We are contacting each creditor directly to verify the accounts on your behalf. We will also forward a copy of the documents you have provided to each creditor for their review. The police report is regulated by law and secondary dissemination of any kind is prohibited. 
Case # XXXX police report.

Company response to consumer: Closed
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permissionXXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: NC
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I am submitting a formal complaint against a company known as, " Phoenix Financial Services LLC. '' XX/XX/XXXX, I observed that I had a collection agency by the name of Phoenix Financial Services reporting to the Credit Bureaus as debt. I immediately researched the company to resolve the issue. I spoke to a customer service representative by the name of " XXXX '' and asked her about the account in question. XXXX informed me that she only collects a debt for the original creditor. I asked XXXX, who was the original creditor. XXXX stated the original creditor was a doctor or hospital. XXXX  stated, she did not know but she could provide me with a settlement offer. I asked XXXX about the settlement, due to the fact I do need to remove this item regardless of, I am trying to purchase a home. XXXX stated she could settle the account for XXXX dollars and write off the remaining amount. XXXX also stated that I need to hurry up and make a decision to accept the settlement cause she did not know when the company would get rid of my file. I asked XXXX if she could provide me with validation of the account. XXXX stated, I will email you. I received ONE email with a settlement offer attached. This is the last I spoke to XXXX in regards to this account. I still am unaware of the original creditor or how it 's validated to be my account. The company reported that my account was opened XX/XX/XXXX, today, XX/XX/XXXX, I received a letter from Phoenix Financial Services dated, XX/XX/XXXX, stating that they have verified my account with the original creditor with a " Statement of Account '' that I received with a date of service, XX/XX/XXXX. The Statement of Account states that the " Statement Date '' is XX/XX/XXXX. I have never received ANY form of statement, validation, or so forth.
I would also like to state, if this is a MEDICAL debt that I am legally responsible for, the service date for XXXX XXXX, should have been covered by his medical insurance, which should have been billed Texas Chip Medicaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i do not know where this debt originally occurred, and have no knowledge of the XXXX, and any of there products. i do not know how this got on my credit.

Company response to consumer: Closed with explanation