BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-09
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was sued by Midland funding on a debt that they purchased. The debt was charged off. They have a totally different amount than the charge off. They NEVER gave me Notice. After reaching out to them, plus number of times challenging through the credit bureaus I finally had them send me some documentation concerning the debt in question. I researched Midland and found that they filed suit on XX/XX/XXXX in XXXX XXXX and posted service to XXXX XXXX XXXX XXXX XXXX Virginia XXXX Please see Attachments : I have not lived at this location since XXXX. 

So for starters, this was a volitation of Federal law given the facts that in their possession from the documents they sent me shows Clearly that I lived at XXXX XXXX XXXX XXXX Virginia at the time from the creditor 's Statement balance of {XXXX} Which I may add is in XXXX XXXX XXXX  XXXX Virginia Not XXXX XXXX. Please see Attachments : As I mention those two facts shows they are in violation of Federal Law. 
In XXXX was was living in XXXX XXXX up to XXXX. I was living in Maryland from XXXX until XXXX and I did not get notice of none of this process from this company. 
However this company chose to Violated federal Law and my rights by posting a notice on an address that I have not live at since XXXX which was a convenience to them instead of following federal Law. 

They sued for {XXXX}, the account had a balance of {$670.00} on my credit it shows {XXXX}. Collection another violation of my rights with the wrong amounts. see Attachments : This company has refused to remove this off my credit and caused me to miss out on buying a house and brought my credit down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09
Company: Southwest Credit Systems, L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ive mad several attempts to dispute a error on my credit report. XXXX fail to take the proper steps once I fully communicate the error that was made on my credit report. Im being held responsible for a debt that is not my original creditor. In section 611 states I have the right to report misinformation/ error on my credit report. Information that was reported to my credit report is not truthful because I did not have service or a contract nor was I legally bind to pay Southwest Credit. Southwest credit should be deleted from my credit report because this company is not my original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The balance from the Docs sent me as of XXXX/XXXX/2016 {$5600.00} in on XXXX XXXX I made a payment of XXXX dollars and today another payment of XXXX dollars, however since i received no statement in the mail I called today to inquire of the balance and was told that after today 's payment of {$500.00} the balance was XXXX dollars, clearly something is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have disputed the credit account multiple times and the account still remain on all XXXX of my credit profiles. I have also obtained a police report stating I was a victim of identity theft. I have asked for this account to be removed numerous amounts of times but to no avail. Please help me remove this inaccurate information from my credit file as it is affect my life as well as my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX XXXX 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
Consumer complaint received 2022-04-09
Company: Maximus Education, LLC dba Aidvantage
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loans changed from Navient to Aidvantage. Ive tried multiple times to log in and take advantage of the pause on loans but I have yet to be able to see my loans. And their website states nothing is to be done until prior to the first billing. I feel as though Im unprepared. I also notice that interest is still accruing even though there should be a pause on interest. I can see interest accruing because my credit score changes and shows me my debts are growing larger but I cant actually log in to Aidvantage to see the actual amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: GA
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:
My credit reports show inaccurate information. One says this installment loan was late 2-3 times, and others state it was paid as agreed. I want this account deleted off my credit report immediately.

15 U.S. Code 1681i I have contacted this company and asked for an investigation. Nothing has been done.

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights.

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 non-monetary relief
Consumer complaint received 2016-01-22
Company: JPMORGAN CHASE & CO.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a van with an auto loan with Chase on XXXX 2015. On XXXX 2015, I refinanced the auto loan with Chase. I signed and sent back the new loan, and the phone representative and the branch employee informed me the old auto loan will be paid with the new auto loan. It has been 3 months now, but the old auto loan is showing I am delinquent, I received letter from Chase saying my loan is past due, and my credit score has dropped from XXXX to XXXX. I have called the Chase auto loan dept, and they have escalated the matter but it has been 3 months and counting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
There are many mistakes appear in my report without my understanding.

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 2020-10-21
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: Account information incorrect

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX Balance {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX XXXX XXXX  agreed to. XXXX XXXX XXXX has  been reporting my auto loan account XXXX. They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. 

They have been calling and making threats about the account. They will not update the account on my credit report after they have charged off account. 

Please delete this account. XXXX XXXX XXXX did not report this account correct for more than a year. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EdFinancial Services
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had four student loans that were being serviced by Edfinancial Services ; however, my loans were transferred from Edfinancial Services to XXXX several months ago when I applied for PSLF/TEPSLF. Moving forward, all four loans have been forgiven under the PSLF/TEPSLF, but Edfinancial continues to report the loans as if they are still servicing them and as if I still have a balance. I tried to dispute them on my credit report, but Edfinancial told the credit bureaus that my loans are still being serviced by them and they even reported that I have a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: EQUIFAX, INC.
State: CA
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 informed the Equifax Credit Bureau that I was the victim of identity theft, provided them copies of the ID Theft Reports I filed on my behalf. However, Equifax continues to report fraudulent information on my credit reports which is very frustrating and violates my rights as a consumer. The following accounts are the result of identity theft : XXXX/XXXX, $ {$490.00} XXXX XXXX XXXX XXXX, {$6500.00} XXXX XXXX, {$140.00} XXXX/XXXX, {$1000.00} XXXX/XXXX XXXX, {$630.00} XXXX/XXXX, 529 Dispute letters were sent out on several occasions, but fraudulent accounts remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase Bank held an settlement check of mine totaling to {$5200.00} and now has closed my account. Holding the funds for up to two years because they don't plan on returning the check to me nor the issuer, then releasing it to the state. At which point I'd have to file an unclaimed funds case! This should be illegal and stopped. Why can't they from the jump flag the check and not process it? They continued to process the check even though they flagged it and place a hold on the check the same day it was deposited. It cleared the next day but because they can't call the number of the business/the issuer because of some third-party verification system they have can't verify the issuer phone number as being a legal business, they put a restriction on my account. Now XXXX is just sitting there. They had me forward them my documents of me signing my settlement, email and going to the branch for 4 hours to show them paper work ( that they asked me to bring in ) to say its still not enough. Ive spoken with 24 different reps and they all say different things, one says XXXX ( the creator of the check ) can goto the chase branch and show two forms of id and a form showing he owns the business, that was a lie. I thought that Chase Bank was a Financial Institution with Integrity and Moral values but I find out very painfully that they Scamtheir customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: Cash advance fee

Complaint:
There has been a recurring charge on my monthly statements of XXXX {$30.00} for " Cash Advance Interest ''. 
I never have used cash advances. I finally called ( after neglectfully assuming that it would correct itself ) and spoke first with customer service and then to a a " finance manager '' named XXXX. 
I asked him to explain the charge. He fumbled for answers and then said he needed to go back in my statements. He went all the way back to 2011 which is when I opened the account. He could not give me any specific reason fro the charge but led me to believe it was something I had done. I asked for a higher authority and he said that all I could do was to write to their review department in XXXX. 
Is it possible that I have paid over {$2100.00} in unwarranted charges over these years?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: Experian Information Solutions Inc.
State: PA
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 tried for the past 6 months to have this issue resolved with my credit report with no avail. XXXX XXXX ( Original Creditor : XXXX ) XXXX. This account is reporting innacurately and has been reaged. I have attached this account on my credit report as proof Experian is reporting date of last active XX/XX/XXXX date of last reported XX/XX/XXXX XXXX  is reporting date of last active XX/XX/XXXX date of last reported XX/XX/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 2017-12-16
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
It has been brought to my attention that a recent American Express representative whom I 've spoken to over the telephone may have attempted to retaliate against me for explaining to them that I refuse to speak to non-English speaking individuals when dealing with my Creditor. I 've noticed an increase in Spam since that day I spoke with this individual, giving me reason to believe that he and/or multiple individuals at American Express may have given out my email address ( in retaliation against me for expressing my feelings ), which is a clear violation of their privacy policy. This is unacceptable. I have a zero-tolerance policy with any organization I 'm doing business with where representatives feel the need to attack customers based on opinion. 

Given the serious nature of this event, I 'm also going to be forwarding this complaint over to the NSA so  they can understand and prevent American Express from allowing their staff to mishandle confidential customer information, at the behest of an incompetent and uncooperative American Express employee. 

Please respond to this complaint by providing your Privacy Policy as it stands today, and also provide a reason as to why American Express staff have been attempting to go against the rules of Security and maintaining Confidentiality.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Experian Information Solutions 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:
I have disputed the following false accounts on my credit report with the credit bureaus but have not received any response : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX account XXXX 4. XXXX XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

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 2020-03-24
Company: Dynamic Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Dynamic Recovery Solutions stating that I owed them money for a bill and they gave me a choice of making payment arrangements. I checked my credit report annually and pay all of my bills, so I knew that I didn't owe anyone. I found the receipt of the bill that they claimed I owed in which was paid almost 4 years ago. I called and told the representative that I had already paid the bill and I had the receipt and wanted to know how did they get my information. We spoke for several minutes and she said that she would put in a depute for me. Called collection agency that I paid and they no longer handled account, she told me to give them the information on receipt. I called back to give them information on my receipt and they said that they could not take it. A couple of weeks later, I receive another letter stating that I have a balance and they had my personal information on it. So, I called them back again and the representative refused to speak with me because I would not give her my personal information in which I didn't have to before and she was very rude. I called back again and someone hung the phone up without even saying anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: FL
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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Amsher Collection Services, Inc.
State: PA
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:
Amsher, a debt collector, has reported a debt for XXXX XXXX XXXX  on my credit report. I have no relationship or debt with XXXX XXXX nor have I received any communication related to this debt. It just showed up on my report. I disputed with the credit reporting agencies and it was confirmed accurate by the reporter. It is not my debt. I dont know what it is for. I have a fraud alert and freeze on my credit report for over a year and was never contacted by charter communications to confirm my identity if someone fraudulently used my information. This is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Federated Law Group
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I have fallen on real hard times after my parents passed away and was not able to pay on a credit card. Well now without notice I received a Judgement against me were it states that they will or can garnish my wages. After I make all my monthly payments I am left with maybe {$30.00} to {$35.00} a month, I also get my food from a Food Bank. I e-mailed them and said that I could pay them {$20.00} a month but not more and their answer was they they rejected my offer. What can I do, if they garnish my wages I will loose everything. I ca n't afford an Attorney and this is really giving me XXXX XXXX XXXX. I will attache documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-04-09
Company: Affirm Holdings, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted this company on multiple occasions to resolve two fraudulent accounts in my name. I have sent them all documentation including FTC report and police report, and each time was told an investigator would be reaching out to me through phone, which never happened. I even told them during the last phone call to promise me this would happen since it hadnt yet, and they did. However, its been months and I still have not heard. I did receive one email correspondence but after I provided all necessary documents and information, they still have not removed this account from my name and credit report. Its clear they are not willing to work with identity theft victims and would recommend people refuse to work with such company. I have attached several documents including FTC report, police report and formal letter to company with this complaint. If necessary, I can provide even more documentation, including dates. Thank you.

Company response to consumer: Closed with explanation