BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-06
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
This company came after my husband many years ago about this dept. He tried to settle with the help of a lawyer. They would not settle. many years later they came after me. I had no knowledge of what had happened. My husband told me to ignore this company he was dealing with them. The next thing I know they are calling me to court, I went to the courts and explained that this was not my dept and it was my husbands, the judge allowed {$300.00} a pay garnishment from my pay, {$600.00} a month. I told them I have my mom living with me and kids, I would lose my car and my job without a car. I had to share my insulin with my mom because I could n't afford to help her out when they took the first XXXX then pay XXXX to file bankruptcy. I had to stop them from taking my money at this amount. After going over everything I decided not follow through with the bankruptcy, I could not pay off my other debts because of this one. I had good credit up until this happened. I have tried to have this resolved and got nothing but hassled garnished my wages, I had to endure humiliating moments that had me in tears, missing work and sharing my medication so my mom would not get sick. This company showed up out of nowhere demanding all this money, we have asked for proof. They gave us no solid proof and did not work with my husband many years ago and now they have caused me personal problems. Like I said earlier, my credit score will speak for itself. before this happened my credit was good and now I have bankruptcy even though I did not go through with it, I ca n't become what I hate and XXXX over other companies to get out of this problem. I am hoping somehow you can help me and others from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Transworld Systems calls me at least 8 times a day, after they were told not to, they will not verify the debt, they will not mail me anything and I believe the debt is outside the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: CITIBANK, N.A.
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:
I bought a water softener from Home Depot on my Home Depot credit card on XX/XX/21 ( see attached receipt ). I returned it a few days later. Home Depot reported to the credit bureaus that I was 30, 60 and 90 days delinquent on a balance of {$3.00}. I realized they had reported this when I went to buy a home, and my lender told me my credit score was around XXXX. It is always above XXXX. I did not owe them the {$3.00}. After speaking with them, they told me that I bought a rug for {$3.00} with the water softener and did not return the rug. I did not buy a rug, therefore could not return a rug. I have spoken with their credit department numerous times, and they refuse to report their error to the credit agencies. They have told me that I need to submit proof I returned the rug, which is impossible, because I never bought a rug. They did inform me that they wrote off the {$3.00} and closed my account. This has tanked my credit and ruined my opportunity currently to buy a house. I am beyond frustrated and want this taken off my credit history immediately. Thank you.

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 2022-04-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX} EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXX XXXX : XXXX  XXXX XXXX Balance : XXXX XXXX : XXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX : XXXX  XXXX XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: JPMORGAN CHASE & CO.
State: OK
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I previously filed complaints [ Case number : XXXX ] and [ Case number : XXXX ] concerning receiving statements from JPMorgan Chase & Co that are not mine. Today I received a letter from XXXX XXXX Officer Global Compliance Operations JPMorgan Chase & Co stating the issue was resolved. Coincidentally I also received an additional statement that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: JPMORGAN CHASE & CO.
State: NY
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:
MY NAME IS XXXX XXXX MY SOCIAL SECURITY NUMBER IS XXXX DATE OF BIRTH XX/XX/XXXX PHONE XXXX XXXX ON XX/XX/XXXX MY CHASE XXXX XXXX   CARD XXXX XXXX XXXX XXXX CARD NUMBER XXXX XXXX XXXX XXXX WAS UNDER REVIEW BY THE REWIED DEPARTMENT PHONE XXXX XXXX HOURS XXXX TO XXXX I SPOKEN TO A LADY AROUND XXXX THAT CALL IS ALSO RECORDED I ASK HER WHY MY ACCOUNT IS XXXX XXXX AND THEN SHE TOLD ME THAT IT TAKES 10 DAYS TO COMPLETE, SO I ASK HER IF THEY CAN DO THE REVIEW QUICKER BECAUSE I HAVE TO PAY MY KIDS SCHOOOL BILL FOR PRIVATE SCHOOL, AND SHE TOLD ME THAT MY ACCOUNT LOOK OK IT SHOULDNT BE ANY PROBLEMS AND GETTING THE BLOCK REMOVE OFF IT I ALSO STATED THAT I APPILED FOR THIS CARD AND THAT ALL CHARGES ARE VALID. SO SHE NOTED EVERY THING I SAIS AND ALSO THAT CALL WAS RECORDED TOO, SO AROUND XXXX I GOT A CALL ON MY OTHER NUMBER XXXX XXXX THAT THEY COMPLETED THE REVIEW AND THAT EVERY THING MATCH ON MY ACCOUNT AND THAT THE BLOCK WAS REMOVE, SO I TRIED TO USED MY CARD THEN ALL OF SUDDEN THE BLOCK WAS STILL ON THERE I CALL SECURTY OPERATIONS AND THEY TOLD ME THAT EVERY THING WAS OK AND THAT WAS ACCOUNT WAS JUST OVER LIMIT THEN ALL OF SUDDEN I CALL CHASE XXXX DEPARTMENT AT XXXX XXXX AND THEY TOLD ME THAT MY ACCOUNT WAS CLOSE DUE TO HIGH BALANCE AND CASH TAKE OUT, I TOLD THEM THAT I SPOKEN TO SOMEONE ELES AROUND XXXX AND THEY TOLD ME THAT EVERTHING WAS OK ON BOTH OF MY CREDIT CARDS, AND THAT OTHER REP I SPOKEN TO SAID THAT SHE WILL FORWAD THIS TO HER SUPERVISOR TO TRIED TO REINSTATED BOTH OF MY CARDS. AND THAT SHE SEE THE NOTES HER ON MY CARD. MY COMPLAINT IS THAT CHASE XXXX XXXX XXXX DEPARTMENT XXXX UP HER BY CLOSING MY CREDIT CARD UNFAIRLY, THEY DISCRIMINATE HEAR BECAUSE THE OTHER PERSON ISPOKEN TO TOLD ME EVERY THING WAS OK AND I THINK THAT THEY CLOSE IT BY MISTAKE, I UNDERSTAND THAT I HAVE A HIGH BALANCE ON THE CARD BUT I HAVE TO PAY MY BILLS AND ALSO HAD TO PAY MY KIDS SCHOOL BILL, IM SURPRISE THAT CHASE SHUT DOWN MY CREDIT CARD AND I HAVE LITTLE BABIES, I WAS PLANNING TO GO SHOPING AND BUY CLOTHES FOR THEM CAN YOU TALK TO CHASE CARD SERVICES AND SEE IF THEY CAN REINSTATED MY CREDIT CARDS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX I sent a debt validation to Midland Credit Management in regards to their entry on my credit report. They received this letter on XXXX XXXX. In my letter I stated that I was not aware of any debt owed to them and to please remove their entry from my credit report. On XXXX XXXX they sent me a letter stating that they understand I 'm disputing the accuracy of their records but after reviewing the account they were unable to determine the nature of my dispute. 
In my letter to them I said I was n't aware of anything owed to them. That 's the nature of the dispute. On their letter to me at the top it has creditor name as Target and balance of XXXX. This is the same name and amount that is on my credit report. They did n't provide me with anything new about how and why I owe the amount. This is a blanket letter they send out to anyone that tries to get the debt Midland says is owed validated. They 've also continued trying to collect on the debt by sending a letter with payment options on XXXX/XXXX/2015 as well as updating my credit report with the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: GVA Holdings, LLC
State: MA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I had to take out a number of pay day loans to help cover exspenses ive been trying to pay but at 783 % interest it is almost impossible they wont stop calling am im at my wits end and I do n't know where to turn

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-14
Company: ENCORE CAPITAL GROUP INC.
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 resulted from identity theft

Complaint:
A few years ago someone opened a cell phone account with XXXX in my name and did n't pay the bill. I reported this to police. Midland Credit has been trying to collect the debt ever since. I have sent them a copy of the police report and requested verification under the fair credit act. I sent XXXX as registered mail and received confirmation via USPS that they received my request. They never responded to the verification as required under the law. They continued to call and mail letters to attempt to collect the debt. I spoke with them in XXXX and they said due to the above they would cancel the debt and report to the credit bureaus. In XXXX, they once again attempted to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
I do not have a contract with this company, and these XXXX are trying to make me pay money I don't owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have an FHA Loan with XXXX XXXX, # XXXX. XXXX XXXX has reported that I have been more than 30 days late with agreed payment schedule. I have disputed this derogatory with XXXX XXXX as all of my records reflect payments current and on time. I addressed my concerns with documents showing the current/on time payments. The inaccuracy is on behalf of XXXX XXXX applying the payments " at will '' in their receiving account division, therefore reflecting negative on my credit profiles and straining my overall credit scores. XXXX XXXX has refused to investigate this matter further or review my account properly regardless of my payment documents proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Portfolio Recovery Associates Inc unlawfully accessed my credit report, specifically XXXX, on XX/XX/21 without giving notification or receiving consent. I do not have a relationship with Portfolio Recovery Associates and never have. Accessing my credit or personal data is unlawful without consent and purpose under 15 USC and Consumer Law. 
My personal data has since been breached and I have been a victim of identity theft through bad debit purchases. A complaint with the FTC has also been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Bread Financial Holdings, Inc.
State: NJ
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:
CB XXXX is in violation of Title 15 1681 Section 2 8E ( 3 ) for failure to respond to my dispute of Alleged Charged Off Account XXXX which accused them of furnishing inaccurate data on my credit report. They are also in violation of Title 15 1681-S2-1 ( B ) for reporting information after notice and confirmation of errors My dispute was received by their company on XX/XX/2021. 
I am yet to receive a response from them, yet this alleged charged off item is still on my credit report I demand you to delete it immediately from all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: SC
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, Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2015-11-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I submitted a complaint against Equifax. By law, they are compelled to respond within 30 days. They said they would and have n't. As per law, I am allowed {$1000.00} per incorrect item reported. I am demanding {$1000.00} per item that I disputed ( by XXXX/XXXX/2015 ), all disputes be removed from reports and this file be forwarded to the proper regulators for prosecution. I am due damages for their incorrect reporting and plan to sue if this is not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Oak Harbor Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
A writ of garnishment on my bank account was issued by XXXX XXXX, Place XXXX on behalf of Cerastes, L.L.C. and XXXX & XXXX. I have filed a motion to vacate on grounds Plaintiff has no standing. 

Need constructive assistance with this case. I do not believe I will receive substantive justice. Justice of the Peace seems to be serving as a debt collector XXXX out writs for the Plaintiff.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: Kenneth, Eisen & Associates, Ltd.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
im in the process of identity theft from my family members using my ss number and drivers license which they had no permission to use in the first place!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Kenneth, Eisen & Associates, Ltd.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A collection agency is reporting an attempt to collect to credit reporting agencies. I have never been contacted by this collection agent. I do not know for whom they are attempting to collect or what the {$130.00} collection is for. NO ONE has contacted me. I never received a bill I did not pay. I have not been given an opportunity to dispute or pay. The only knowledge I have of this is on my credit reports as negative information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: FIRST CONSUMER, LLC
State: PR
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
i recieve a call from the company First Consumer telling me about how to continue paying my studentloans at a much low payments. A representative of the company XXXX XXXX XXXX told me about the law XXXX XXXX XXXX, and if I pay 1 payment of {$180.00}, and 3 paymentes of {$130.00} i was going to be on track with the company that is going to take my loans, and my payments are going to be {$18.00} monthly, that i was going to get another follow of my status on XX/XX/XXXX, and with the help of the new law of forgiveness and my payments XX/XX/XXXX i was going to obtain a forgiveness of my debts. They ask for several documents like my taxes, slips of the payments from my work, and my banking account numer and route, beacuse the only way wa going to be with an account. i ask several times that the {$600.00} were are going, and they told me that is going to go direct to my loans. The first debit of my acount was made i star confronting problems getting in contact with the company, i call the several numbers that they have, and there was no answer or they didnt respond the messages that i leave in their machines. I start doubting the company when i only talk with XXXX XXXX and a lady with the name XXXX XXXX, no one else answer the phones. One time they give me a numer of XXXX XXXX, and he told me that he do not understand why the company that have my loans have not calle me, he told me to wait until XX/XX/XXXX, then he was going to call me to check, but he didnt call. i star calling again, he only send me an email. In the meantime i call the Deparment of Education and they told that i have to be carefull with these companies. Then XX/XX/XXXX the company XXXX call me and told me that i was late in my payments with them, i talk with their representatives telling them that i do not know who they are. They explain to me that they have my account, i ask them if they work with First Consumer and they told me they dont know anything about that company, i ask if they receive my information through them and they say again no, i ask if they have heard about the law XXXX XXXX XXXX they told me not. Then the representative star talking about sending me papers, and talking about my finance condition, and put a stop until XX/XX/XXXX so give them the oportunities of getting the papers they need from me, and that i do not need to do any payments until XX/XX/XXXX. i was not receiving the papers from them i call again and talk with a representative that change my adress, and give me this link because she says most of these companies are not helping people. First consumer was suposse to do the last debit on XX/XX/XXXX, but they do another on XX/XX/XXXX. I am afraid that they are going to take money of my account, and have not do nothing, only a fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-19
Company: LEXISNEXIS
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been requesting a specific detailed section from my LexisNexis consumer report. 
It deals with how information about my address history is collected in Section 2 of my consumer report. I have been requesting the detailed information as to how their company compiles this information, as the report itself states that the consumer can request this detailed information. They have continued to send me nothing more than additional chips of the same report. I have been requesting the further detailed report of Section 2, and they have failed for months at delivering this item to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am attempting to work with AidVantage on my federal student loans, and they are ill prepared for the upcoming start of student loans. Furthermore, they are not prepared wit the appropriate legal documentation to explain how XXXX XXXX XXXX consolidated my loans without my approval. These student loans are ITT related, and the company is refusing to work with me. Furthermore, they are claiming they dont have managers on staff, the call center reps are rude, and put people on hold for extended periods of time. Ive been on hold for over an hour to try to talk to supervisor to get things worked out and its a joke. Its no wonder why people dont want to student loans any futher.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TrueAccord Corp.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TrueAccord, a debt collector, has contacted me multiple times about a debt that it know that I do not owe. This company and I have never had any contractual relationship. And its partner/agent, XXXX, likewise has no contractual relationship with me either because XXXX voided our transaction due to a failure to provide a contracted for good. 

As such, TrueAccord is violating federal law my trying to collect upon a non-existent debt, claiming to have bought a right to enforce a non-existent debt and for failing to stop communicating with me about a non-existent debt after being put on notice. I ask the CFPB and other regulators to enjoin, fine and otherwise sanction this debt collector and its partner/agent XXXX.

Company response to consumer: Closed with explanation