BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-25
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: Was not notified of investigation status or results

Complaint:
To EQUIFAX : I am tired of dealing with your lies and manipulations of peoples lives. I have filed a dispute several times with your company involving a Bankruptcy Public Record incorrectly reported on my Equifax credit report. The updated Equifax report shows Bankruptcy Public Record as VEFIRIED AS ACCURATE. You state you obtained Bankruptcy Public Record Information from local, state, and federal courts through a third-party vendor, XXXX. I have included a letter from XXXX stating they dont report bankruptcy on my consumer file. You have also listed the Agencys contact info as the XXXX Bankruptcy XXXX. The Bankruptcy Court has both mailed me letters that emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and confirm public records. Please provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report or my release authorization bearing my signature. In the meantime, to fully comply with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Failure to respond satisfactorily within 30 days of this letter will result in a small claims action against your Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 

I am as a result of this demanding deletion of the above account from my Equifax file under 15 USC 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion. 

I have previously disputed this info with the CFPB, but there was no Equifax response. The CFPB states that the complaint has been resolved, but Equifax has not yet sent me any results or a confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Experian Information Solutions Inc.
State: KY
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 contacted multiple times, through phone calls, and letters to report that there are unauthorized pulls on my credit. I did not authorize these claims. I have reached out to the companies individual and they were not able to identity me authorizing the credit pull as well.      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 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 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 contacted multiple times, through phone calls, and letters to report that there are unauthorized pulls on my credit. I did not authorize these claims. I have reached out to the companies individual and they were not able to identity me authorizing the credit pull as well.      XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX  Buy  XXXX / XXXX / XXXX  Att  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 2017-05-09
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have  disputed Santander wi th  XXXX  several times. The charge off amount is incorrect, the charge off date is incorrect, the last payment is incorrect, and the balance is incorrect.  XXXX  has already deleted the WRONG information from that bureau but   XXXX    continues to come back verified. I know this information has not been verified because the information is inaccurate. The last payment date is very wrong and I b elieve Santander  is trying to re age the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: FCI Lender Services Inc.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I were victims of a loan modification scam in XX/XX/XXXX that caused us to become behind on our mortgage payments. When XXXX was made aware of this by the FBI and Civil Rights Authorities they agreed to give us an Uncontrollable Right Off stating that we did not have to pay any more mortgage payments as long as we stayed in our house but must get insurance on it and pay the property taxes each year.We did this and heard nothing from anyone and we have not receive a mortgage statement scene XX/XX/XXXX. Then XX/XX/XXXX we receive a foreclose notice from FCI Lender Services. We stopped the foreclosure by filling Chapter XXXX that was dismissed due to my husband being laid from his job. FCI Lender Services have been does not communicate with us and has again sent us a foreclosure notice postmarked on XXXX/XXXX/XXXX for XXXX/XXXX/XXXX. we believe that we are being scam again. We talked to Legal Aid and was told to hired a restate layer but we can not afford one. Our house is currently under a short sale contract and FCI Lenders have still filled for foreclosure again. They did not even give us a thirty day notice.

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 2016-08-25
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Glasser and Glasser continue to contact my parents about an unsecured debt they are attempting to collect. They have on two occasions filed court paperwork to my parents address and on two occasions sent mail to my parents. They have my address, it has n't changed in nearly five years. I have informed Glasser and Glasser by email and fax of the proper address and asked for payment options to be sent and any other documents and they have yet to do so..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of this said debt and I would like it removed as it is reporting to credit bureau as an open account and negatively affecting my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: I.C. System, Inc.
State: CA
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:
There is a negative entry in my credit report for something in Connecticut, I live in California and have never lived in Connecticut.  I called the number on the credit report and the representative told me to pay the debt, I asked to speak to a supervisor, the representative disconnected the call. 
I filed a dispute with   XXXX    and they returned their findings as accurate, with no further information.

I C SYSTEMS COLLECTIONS # XXXX 
  XXXX   XXXX   XXXX   XXXX   XXXX  , MN  XXXX 
( XXXX )  XXXX 
Placed for
collection:
 XX/XX/2017 
Responsibility: Individual Account
Account Type: Open Account
Loan Type: COLLECTION
AGENCY/ATTORNEY
Balance:  $  XXXX    Date Updated:   XXXX   
Original Amount: $ XXXX 
Original Creditor:   XXXX   XXXX   XXXX   (Cable/Cellular)
Past Due: >$ XXXX <
Pay Status: >In Collection<
Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have several accounts that I was never late on and 1 accounts that is not mine and 3 unauthorized inquiries, I also have a chapter XXXX listing that I didn't file, there is a letter attached for explanation.

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 2017-08-15
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/XXXX, my credit card account with Chase was closed involuntarily because of a " process error '' on their side, shortly after paying the annual account fee. This account has been open for over 5 years and I have been a Chase customer for over 12 without a missed or late payment. In order to re-open this account, the onus has been on me to submit substantial amounts of paperwork confirming their mistake. This paperwork was submitted on XXXX XXXX, 2017. Since then, Chase has had well over 5 weeks to act on this request, but has refused to re-open the account or rectify this situation. I struggle to believe that it takes someone over 200 business hours to take such a simple action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
recently my check was garnished and I was not informed of debt. I contacted the place garnishing my wages along with the " law firm '' neither will provide me with information or verification of the debt. I am currently food stamp eligible, informed them of this fact and they still will not stop the garnishments. They stated that I was served papers XX/XX/XXXX, but I never received any papers and have not signed for any papers. This is debt that was acquired in 2002.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: North Shore Agency, LLC
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:
I ordered cable and telephone services from XXXX XXXX. When the cable installer tried to install the XXXX, he said that they were unable to install it due to the direction my building was facing. XXXX contacted me and stated that due to their inability to fulfill their contract, our account was cancelled. However, I keep receiving a bill for {$450.00}. I contacted the company 's president 's office, who took care of it. They sent me a confirmation email stating that it was resolved by crediting my account to show a {$0.00} balance. I received a bill from their collections afterwards, so I resolved it with their Collections Department as well. They admitted that they did not provide us with any services, therefore will stop pursuing us for this bill. Several months later, I receive another bill from North Shore Agency, a national collection agency, for the same amount. 
Yes, I initially did in fact place an order for telephone and cable services from XXXX XXXX. However, they were unable to install the XXXX, for which I ordered. They cancelled my account. I have not received any services from them whatsoever. 
Please advise how I should proceed. This is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: Rubin & Rothman, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a judgment being reported by the XXXX major credit bureaus. I spoke with the collection agency and was told that the judgment would be completely vacated if it was paid. The amount owed was paid however it is still being reported on my credit bureau reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
New Jersey Higher Education Assistance Authority ( NJHESAA ) ran programs ( from XXXX and potentially much longer ) in which their representatives went to New Jersey high schools to " educate '' parents, teachers and students about how to pay for college education however the representatives unduly promoted NJHESAA loans, gave false or misleading information regarding federal loan options, and presented misleading information about the " benefits '' of NJHESAA loans. The NJHESAA representatives used their position as employees of a state agency to the deceive parents, students, and teacher into believing that the information presented was given without agenda or bias and was factually correct. In many cases parents, students and teachers were made to believe that NJHESAA loans had the same terms and conditions as federal loans when it fact the terms was drastically different. NJHESAA loans were presented as though they were the only viable option to pay for a college education and that federal loans would not be suitable to cover the cost of college education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Webcollex, LLC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was contacted by CKS and they were attempting to collect a debt from XXXX XXXX. A company with a history of using illegal practices to take advantage of consumers. I explained that I do not owe this debt and the account was paid in full as part of a debt consolidation. They are reporting this debt with a false original creditor. I have attempted do dispute this and they will not put up the correct original creditor. I only assume because they know XXXX XXXX was sued by the CFPB and want to use deceiving tactics to not allow me to dispute the information on my report correctly. Upon research I found that XXXX XXXX was ordered to pay all effected consumers of the illegal practice by direct payment or account credit including credit to collection accounts. If I have a valid debt CKS would have applied this credit to my account. They basically did n't acknowledge my dispute and they continue to report this on my credit report as an original loan from " XXXX XXXX XXXX '' this is not even a real company I have researched and XXXX XXXX XXXX said they are not the same XXXX XXXX and they habve no affiliation with CKS Financial for debt collection. CKS seems to be wanting to tarnish my credit by keeping this on my report as a different lender.I do believe XXXX XXXX is not allowed to effect consumers reports do to the illegal practices. I only asked that they give me more detail in order for me to pay this debt CKS will not give me anything validating this debt and they told me that they did not and do not have to pay for detailed account information in order to attempt to collect on the debt. Basically I am a name on a list with social and and contact info. They also said my account number was changed from a XXXX to XXXX which is the reason I do now have records of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: JPMORGAN CHASE & CO.
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I withdrew {$400.00} from a bank branded atm XX/XX/2017. I was only given {$80.00}. I have contacted the bank multiple times to receive a credit back into my account. I have been told multiple dates and was last told the credit was n't due to my account till XX/XX/2017. It is now past that date and I still have not received my credit. I was guaranteed on or before XX/XX/2017 by a senior claims specialist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On  XXXX   XXXX ,  XXXX  I received court documents, from  Debt Atty. Pressler & Pressler, that I a m being sued for a balance owed to   XXXX   XXXX   XXXX .   XXXX     XXXX  provided them with  XXXX  statements dated  XXXX , and both had handwritten balances.     I have contacted   XXXX   XXXX   XXXX , at  XXXX  different phone numbers, for which I was told they could n't find my account.   
I have also provided a detailed letter to Pressler & Pressler, explaining that the informatio  n on those  XXXX  statements are not accurate.   The first account, shows a handwritten balance of {$10.00} with a last payment received date of  XXXX / XXXX / XXXX . I have bank statements indicated a final payment in the amount of {$25.00} was made on  XXXX   XXXX ,  XXXX . According to my calucations, this was an overpayment of {$14.00}.   The second account shows a handwritten balance of {$780.00}, with a last payment received date of  XXXX / XXXX / XXXX . I have bank statements indicatin g 13  payments were made since that date with the latest being  XXXX   XXXX ,  XXXX .   Since no one seems to be able to find my account, and the attorney 's office if going by false information, I have major concerns as to where my payments were actually being applied. In addition, I have not received a statement or an itemized bill in approximately 2 years, but yet I keep making monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
About my Bankruptcy how did they receive my information because bankruptcy do not give that information to the credit bureau

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 2016-05-12
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a 3rd party authorization in place to handle this on behalf of the owner, XXXX XXXX XXXX. I am her Realtor and she has granted me and submitted to Chase Bank, this 3rd party authorization. She was in arrears on her mortgage with Chase. She worked diligently with them and filed bankruptcy and it was all straightened out in XXXX 2015. The HOA had a lien against her in the amount in excess of {$7000.00}. Chase paid it off and this took it out of foreclosure status. However, on XXXX XXXX 2015 she received notice that the house still went to foreclosure sale and she no longer owner the property. She contacted Chase, who continued to tell her to do nothing - her mortgage was fine and they paid off the HOA. She recently suffered XXXX XXXX, is XXXX and spent 30 days in the hospital and rehabilitation center. When she got out, she arrived home to find an XXXX County Judge approved the locks be changed on her home and she could not access it. She was told the foreclosure took place in XXXX 2015. She has never received any constructive notice of a foreclosure, has no second mortgage and Chase continues to insist they have the current mortgage in good standing. She has attempted to get Chase to look into a possible improper foreclosure but they say they do n't have the ability to escalate it since it is current. She is without a home and all of her belongings are locked up in a house she is told a judge wo n't let her into.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I contacted Southwest Chase by phone on XX/XX/XXXX, and requested to pay off the highest interest balance ( cash advance ) XXXX. Cash Advance Balance is {$3200.00} and 19.24 % APR. They refused to apply it to the highest interest balance. I paid {$1200.00} online. According to the Credit Card Law of XX/XX/XXXX, regarding " Higher interest balances paid first : When consumers have accounts that carry different interest rates for different types of purchases ( i.e., cash advances, regular purchases, balance transfers or ATM withdrawals ), payments in excess of the minimum amount due must go to balances with higher interest rates XXXX. A common practice in the industry had been to apply all amounts over the minimum monthly payments to the lowest-interest balances XXXX -- thus extending the time it takes to pay off higher-interest rate balances. '' My minimum payment due was {$280.00}. My total balance was {$14000.00} on the XXXX billing statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
RE : JP Morgan Chase Account ending in XXXXI think {$830.00} in overdraft fees and interest on fees is rather usurious. 
I have been advised by a consumer protection attorney that there is a very strong case here for a class action, but really I 'd rather not tie up the court system and would rather have an uneventful resolution to this matter. 

I have been advised by council to try to seek a resolution through the CFPB.

Company response to consumer: Closed with explanation