BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-06
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The collection agencies of XXXX XXXX XXXX XXXX XXXX an affiliate of Kirschenbaum Phillips & Roach, PC,, are garnishing my paycheck for a second time for interest, they alleged, that was never factored into the original garnishment to satisfy a XXXX credit card. I provided proof from my work payroll department that all of the debt had been paid in full from the original garnishment collected from XXXX thru XXXX. They insisted that an interest of $ XXXX still due. In XXXX I received another notice that interest accumulating from XXXX/XXXX/15 would be applied to the account. I want this to desist and Kirschenbaum XXXX., to stop hounding me for interest due upon the interest, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
HARRIS & HARRIS has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major surgery. This is a major HIPPA violation because I have never done business with HARRIS & HARRIS yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problem due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Utah System of Higher Education
State: IL
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am paying only partial of my student loan and I was advised, by Cornerstone ( XXXX ), that i would still receive phone calls, that was fine, but I told them not at work. I have literally told this company over 50 times to stop calling me at work and call me after XXXX XXXX. I got so mad that I blocked the number. Now they are calling me from another number! I have told them every week this month to stop! They are being deceptive even though i have communicated with them and are paying something when I can. 
They call when my bosses are in my office and are listening to me tell them not to call me at work. They have forced me to discuss my personal life with my bosses because of this, which makes me look bad! I do not know how to get them to stop! I have been nice, angry and nothing works. I 've even spoken with a manager about this without a resolution. They promised me it was taken care of. 
They are going to make me lose my job if I keep getting debt collector calls while I am working. 
Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: GA
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:
wrong information being reported on my credit report, and its affecting my daily life in a bad way causing 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 2021-12-20
Company: EQUIFAX, INC.
State: GA
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:
wrong information being reported on my credit report, and its affecting my daily life in a bad way causing XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Oliver Adjustment Co.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OAC has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major XXXX. This is a major XXXX violation because I have never done business with OAC yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me XXXX XXXX XXXX XXXX  due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to HHS.gov.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Experian Information Solutions 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

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 2021-12-20
Company: EQUIFAX, INC.
State: MA
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:
On XX/XX/XXXX I send a dispute to Equifax about the following account XXXX XXXX XXXX XXXX  ( Opened : XXXX. XXXX, XXXX, Credit limit {$750.00} ) that was open by someone that stole my identity. 
With the dispute I also send Equifax an Identity Theft Affidavit. I have done my research and I know that Federal law as is stated on the FCRA, sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), obligate the credit bureaus to delete the fraudulent information in my credit file within 4 days upon receipt of the correspondence. It's been over 30 days and the fraudulent account stills there, and that is preventing me from getting necessary financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX sold a old debt that appears as a new delinquent account which violates my fcra rights after constant contact these companies refuse to remove or update inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Midwest Recovery Systems
State: CO
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I got a new alert today. So when I check my credit report an account was placed in collections for Midwest Recovery Systems with the original creditor as XXXX. 

I have never heard of this company and I did not take out a payday loan with this company. I never received anything from Midwest Recovery Systems or XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: MA
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:
On XX/XX/XXXX I send a dispute to Experian about the following account XXXX XXXX XXXX XXXX ( Opened : XXXX. XXXX, XXXX, Credit limit {$750.00} ) that was open by someone that stole my identity. With the dispute I also send Experian an Identity Theft Affidavit. I have done my research and I know that Federal law as is stated on the FCRA, sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), obligate the credit bureaus to delete the fraudulent information in my credit file within 4 days upon receipt of the correspondence. It's been over 30 days and the fraudulent account stills there, and that is preventing me from getting necessary financing

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 2017-05-02
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a copy of my credit report which showed a creditor,  Paramount Recovery Systems , a collection agency, in the amount of {$710.00}, reporting to all three major credit bureaus. I contacted the collection agency and requested that they validate the debt and provide me with proof of the debt. In response they provided me with an itemized medical bill showing medical procedures, diagnosis and summary charges. This is a violation of the HIPAA law as the collection agency should not have access to this information. I am happy to provide this information upon request.          Paramount Recovery Systems   XXXX   XXXX   XXXX   XXXX , TX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, 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:
Someone has taken complete control of my identity.I have been getting notification that the same companies keep sending credit bureaus request for my credit report .I have not applied to any of the companies that is on this report and not sure who has my personal information and how there able to use it at free will.I have been trying to contact the credit bureaus by phone trying to explain this issue but as of today they have not been able to resolve the issue ..Please Please help me take back my life this has truly been a nightmare

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
On the XXXX XXXX website, after I logged in as a Premier Platinum member, I got an offer on the screen asking me to apply for the Chase XXXX Explorers card, and offering me XXXX bonus miles AND a {$50.00} statement credit after my first purchase. I took a screenshot at that moment on XXXX/XXXX/16 of the offer ( which you can see in my image was to expire the next day ). I then filled out the application. I got an email confirming my application ( dated XX/XX/XXXX too ). I was later approved and got the card. After having it for some weeks and using it, I sent email to Chase asking when I would get the {$50.00} credit. They replied that they would not give me the credit because I did not apply " the right way '' on the XXXX site. I applied the only way offered, by clicking on the big button that is clearly visible in one of my screenshots. No error message followed, I got to the application and answered all their questions. I tried multiple times to get Chase to resolve this, and they refuse. They DO admit that I am owed the XXXX miles, which is stated on the screenshot offer too, and which was only offered to me once I logged into the XXXX site as Platinum member ( the standard offer on the general XXXX site was XXXX miles ). So they must admit that I applied through this offer, but refuse to give me the other marketed offer, the {$50.00}. They are simply refusing to honor their offer, fulfilled on my end exactly as directed on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I did not even know about this card until i got a bill in the mail. Then i did some research. It appears someone somewhere has a credit card in my name. This account was closed on XX/XX/XXXX with a {$0.00} balance. Then it was reported {$950.00} due on XX/XX/XXXX. So who had this card if i never knew about it?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i received a predatory pick a pay loan from a broker in 2006 and have been fighting for 10 years to keep my home. so my question is can the bank change the posted interest payment on my statement to what ever they want later and continue to charge late fees even though I paid every month? If so how come the chapter XXXX wont fix it? The bank did not post my payments they just sent statements showing the late fees and acruing escrow for property taxes. I feel I have paid the property taxes several times over. in my first chapter XXXX they said I owed $ XXXX them 3 years later I asked for a pay off letter and they said after I made monthly payments of {$2900.00} I owed them $ XXXX can I ask you whom do i speak with about finding out where my money went? I am in a current chapter XXXX my XXXX and I am paying the bank {$3400.00} and the trustee {$2400.00} so I ask you why XXXX if the federal government says I have to meet the XXXX % to get a loan does the federal bankruptcy court allow XXXX % of my income to be made for payments? I borrowed $ XXXX and I have paid over $ XXXX to the bank but I now owe them $ XXXX. It should be illegal to do what they have done to me. I have appraisals months apart that are $ XXXX and $ XXXX difference in value in six months the only change was my job they just change the numbers to make the XXXX meet what they want so they wo n't have to work with me. its not like Im not making my payments but if they had gone with XXXX of the XXXX modifications I submitted with my first chapter XXXX I would only owe $ XXXX at the current time.

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 2016-07-08
Company: Resurgent Capital Services L.P.
State: NM
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:
This debt collection company continues to show up on my credit report and has/ is committing the following violations : ( 1 ) Continued attempts to collect debt I do not owe : Debt is not mine ; ( 2 ) Failed Disclosure verification of debt and still reporting account : The information this company has provided is woefully deficient and fails to establish that this is a valid item. First, they have not, by any credible means, demonstrated that I owe this alleged debt to their organization. They have failed to provide any document bearing my signature that would establish that I have any indebtedness to your company. They have also failed to provide me with a complete statement of accounting as required by law to be considered full and complete validation. 
Second, they have merely provided a copy of their invoice from your own debt collection company which is simply not enough satisfactory proof that I, personally, incurred this alleged debt. They have failed to prove that there is any legal or contractual obligation between myself, theiry agency or the creditor. 
Third, they have failed to establish any relationship between me and the purported debt. All of my personal information from their attached letter was received after I mailed correspondence to them. I demand that they discontinue reporting this item to the credit bureaus and, in fact, that they delete the item.They have failed to provide ANY credible proof that the alleged debt is mine or that the alleged debt can be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Since XXXX 2014 have notified Capital One Bank about an account that is listed on my credit report that I did not authorize, nor have knowledge about. last correspondence was sent in XXXX of this year certified and received by XXXX. Capital One again did n't respond even though received proof of receipt. Have sent several correspondences certified, and all have been ignored. They have not removed this account from my credit report, nor have marked it as disputed. This is my SECOND complaint have filed with your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XX/XX/2017 a fraudulent charge was made on my card with Kohl 's for XXXX. After numerous attempts to contact the fraud department to report the charge there is still a remaining balance of {$74.00}, even after returning all the boxes back to the Kohl 's store that were shipped to my home address. There were approximately 11 large boxes of XXXX ordered fraudulently. I 've requested to close my account yet the account still shows a balance. I have not received anything but the runaround from the Kohl 's representatives and need assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I have an account with Capital One and fell behind with my card when my spouse was unemployed and we then went through a separation in our marriage. I contacted the vendor to try and see what arrangements I could make to get the account in good standards and was told there was nothing that could be done but pay the full amount then they would possibly review it to see if they would let me continue the open line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Theres XXXX accounts listed on my credit report the Equifax that do not belong to me and I have contacted all parties and sent a copy of my police report. I have also contacted a law firm that specialize only in suing credit bureaus. This company is called XXXX and I have been in contact with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief