BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-02
Company: Anderson and Associates Credit Services, LLC
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
In the XX/XX/2016 I retained the services of a pest control company, XXXX XXXX XXXX for fleas and sugar ants in a home I had recently moved into. The services, for which they charged {$350.00} did not resolve the problem. My husband was to contact them, and he failed to do so, which I only recently learned when I had a negative report on my XXXX credit report. XXXX retained a collection agency XXXX XXXX, XXXX XXXX XXXX XXXX Oregon XXXX United States Phone : XXXX. When I attempted to discuss the situation with XXXX of their representatives who claimed to be the owner, he would not listen to me, repeated interrupted me, despite my repeatedly asking him to listen, quickly began speaking in a loud and condescending voice, attempted to tell me that I was n't qualified to determine that the services did not work, and then threatened to sue me for {$350.00} by taking me to small claims court. When I told him that was ridiculous he said we do it all the time. it only costs us {$83.00} to sue someone and I would be happy to sue you. Then when I asked him to be reasonable and attempt to reach a compromise, he refused and stated that my only option was to pay the bill. When I asked him if he would then remove the negative report from XXXX, he again, very rudely refused. He hung up on me. I called back and asked to speak with someone else, he refused. When I again asked him to be reasonable and help me work toward a resolution in order to repair my credit he repeated that he would continue to consider taking me to small claims court. that " this was n't going to work. '' and then hung up on me again. I have called and emailed the pest control company and they also refuse to help or take ownership for the fact that their services did not work. I am requesting that a formal complaint be filed against XXXX XXXX and that this negative mark be removed from my credit report. I have never before spoken with such a hostile, unprofessional individual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Pinnacle Credit Services, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XXXX XXXX I took a position with the Department XXXX XXXX in XXXX. I had services with my cell phone with XXXX XXXX. I requested that service to be cancelled on XXXX XXXX XXXX. I received confirmation from XXXX via email on XXXX XXXX, XXXX they received my request. In XXXX XXXX I had a discussion with a XXXX representative in reference to my account and was informed I was past due in the amount of {$90.00}. On XXXX XXXX XXXX I paid that amount. I noticed a collections from XXXX XXXX XXXX XXXX XXXX and talked with a representative in XXXX XXXX. I was informed that this charge in the amount of {$110.00} was generated in XXXX XXXX. I wrote XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in reference to this collection. I received no response. I wrote XXXX XXXX XXXX on XXXX XXXX XXXX about this collection on my credit report. I received no response. This collection is still on my credit report now under Pinnacle Credit Services. I attempted to contact Pinnacle Credit Services but only to find out they do not hold this account and that a different company holds it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
2 months ago I received an XXXX Chase Credit Card that I did not apply for. I immediately called Chase customer service to report my concern/close account. Chase customer service sent me to their fraud department. They asked me a series of questions, they put an alert on my account. I have XXXX credit card XXXX chase visa card through XXXX rewards program ) and sent me some free fraud education material. I checked my credit report, nothing popped up on there as of XX/XX/XXXX. I am not an amazon member, my wife is. 

I just received a phone call from Chase today ( XX/XX/XXXX ) asking me if i applied for an amazon card and I said no. He started to ask questions ( personal info ) so I hung up. Nothing is on my credit report etc ... what can I do ... .who should I call. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX EXPERIAN XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Bank XXXX XXXX XXXX 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 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 2020-04-03
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a bill dated XX/XX/20 from Phoenix Financial Services for XXXX. I immediately contacted them and let them know that this was a part of a fraud account with XXXX XXXX and that I had police reports for this theft. I also contacted XXXX XXXX to have them contact : Phoenix Financial Services to let them know that the debt was not mine. After a few weeks I noticed the debt still appeared on my credit report. I immediately contacted them again and asked this be taken off my credit report asap. they said they could not and I have been getting the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-12-29
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Have a card with chase bank with a credit limit of XXXX dollars. They were supposed to shut down the card when it hit XXXX it is now XXXX dollars. They are charging me interest on the XXXX dollars is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-09-11
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice from your company to my mother 's mailing address that is not my mailing address for a debt that I never received an invoice for. I do not have an idea of who XXXX XXXX XXXX is and I have not received an invoice to my home mailing address which is the address I use for everything. I would like to find out who this company is that is charging me XXXX. I can pay the money if needed, but I should not be getting sent to a collection agency when 1. I have not received a bill and 2. the address used to send me to collections is not even my mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
In XXXX of 2017 Comenity Bank/Victoria put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end. They told me that they will correct the issue but have failed to do so. This account still shows late pay and popped up on the two other credit bureaus and has greatly lowered my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: TMX Finance LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
add to complaint XXXX XXXX Titlemax XXXX XX/XX/XXXX On XX/XX/XXXX Titlemax sent a repossession agent to my home. 
The XX/XX/XXXX XXXX XXXX that was repossessed contained personal property that was NOT on the TitleMAx loan. Also the repossession agent is in direct violation of the below Texas XXXX. 

The tow truck operator must send the registered owner a notice by certified mail, return receipt, within XXXX days of the repossession. Texas Occupations XXXX XXXX. This notice has to explain the daily vehicle storage rate, the first day on which storage charges are calculated, the type and amount of any other charges to be paid when the vehicle is claimed ( such as personal property fees XXXX, and the facility 's operating hours. Texas Occupations XXXX XXXX. 

The list of inventory taken with the XX/XX/XXXX XXXX liberty XXXX. XXXX XXXX Boxes full of tools. 
XXXX. Battery charger, car start kit XXXX. Documents, Forms XXXX. XXXX jumper cables XXXX. XXXX pair of sun glasses

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX/XXXX  XXXX {$840.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$500.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$110.00} XXXX  XXXX XXXX  XXXX {$5900.00} XXXX  XXXX {$570.00} XXXX XXXX XXXX {$2600.00} XXXX/XXXX  XXXX {$410.00} XXXX  XXXX {$5500.00}

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 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX/XXXX  XXXX {$840.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$500.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$110.00} XXXX  XXXX XXXX  XXXX {$5900.00} XXXX  XXXX {$570.00} XXXX XXXX XXXX {$2600.00} XXXX/XXXX  XXXX {$410.00} XXXX  XXXX {$5500.00}

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 2022-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Person advertising selling ticket for XXXX XXXX  concert on XX/XX/XXXX for {$430.00} after I sent the money via XXXX through Bank of America they sent me the ticket via email XXXX  and ask me to send {$300.00} for ticket fee. The person said in order for ticket to be release I must send in another {$300.00} I denied to do so and realized the email they sent about the ticket was a scam.

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 2016-06-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a collection account on my credit report with XXXX in the amount of {$410.00} with account number XXXX .... They originally had XXXX XXXX XXXX attempt to collect this debt and I was able to sue with the help of XXXX XXXX, XXXX and I won a settlement of {$1000.00} as a result. I then paid the account and settled for {$230.00} on XXXX XXXX and attached the proof. I filed a complaint with the FCC on XXXX XXXX ( CASE XXXX ). They just gave me a generic response and I attached it for you to review. I called XXXX XXXX at XXXX XXXX XXXX XXXX and it kept going to voicemail. I then called XXXX XXXX XXXX XXXX and spoke to a young woman who refused to give her name and at first could not locate my file with my social security number. Then she found my file with me giving my name and said I owed {$90.00}. I told her I had already paid the account on XXXX XXXX and she said there is no record of that. Then she put me on hold and came back and said, oh no wait, it shows you made a payment on XXXX XXXX and it will be updated on your credit report as deleted. I confirmed that it would be deleted and she said no, it will updated as paid. I told her I paid this account almost 3 months ago and why is it taking so long to report as paid. She said the payment just went through on XXXX XXXX but it was drafted from my checking account on XXXX XXXX. I am very upset that a company like XXXX can take advantage of consumers like this and damage their credit reports for mistakes they are making.

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 2022-08-05
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On my XXXX, XXXX, AND Experian credit reports, it does not show all of my open credit card accounts. On my XXXX, XXXX, AND experian credit reports, it only it should show 4 open accounts total XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX my XXXXXXXX XXXX XXXX XXXXunt when it should show 4 open accounts total XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2019-11-08
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: Old information reappears or never goes away

Complaint:
I'm writtining You to dispute old accounts on my credit report. By law, credit bureaus are only allowed to list negative items for a certain amount of time. For most negative information, the time limit is only seven years ( or seven years + 180 days for a charge-off ) : Bankruptcy chapter XXXX-discharged Date Filed/Reported : XX/XX/2011 Reference No. : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company response to consumer: Closed with explanation