BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-01
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Printed my credit report and noticed i had a bill for a medical debt. Wrote the 3rd party collector and asked them to valida te the debt .They sent a letter with a bill that includes my name and no proof. I have asked them to validate and verify the debt but all they did was send a itemized statement provided by the medical provider. A bill is not validation. It is hearsay. I need them to send me the contract I signed? Where is the full accounting? Where is the contract showing that you have been giving the right to collect on this alleged debt from the original creditor?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debit was paid in full on XX/XX/XXXX to XXXX confirmation number XXXX other numbet XXXX paid direct to XXXX i don, t know why TRASWORLD put this debit in my credit, but i want to delete to all my credit record affect my score trans-union, equifax etc Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Stern Recovery Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted the company on XX/XX/XXXX and they could not give me any information about my debt. All the representative did was run my credit report without notifying me that there was a monthly charge and only wanted to charge me to dispute them. He could not and wouldn't give me information about the loans through them.

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 2015-10-26
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a judgment in XXXX county for XXXX XXXX XXXX that says it was reported in XX/XX/2014 and paid in XX/XX/2014. It 's being reported on my Experian and XXXX report. This item was already paid and part of medical bills from a accident that was n't my fault. They got paid but for some reason its on my credit report as a judgement. It should n't beven been on my credit report. It must be miscommunication. The paid amount is {$710.00} and the judgement is satisfied but should of nevet been a judgement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
A salesperson at a local dealership -- XXXX XXXX in XXXX XXXX Texas -- -kept calling my wife on a daily basis inviting her to re-finance her vehicle. My wife repeatedly told her that her car was in both my name and my wife 's name, and that I would need to be involved in the decision. My wife was receiving weekly calls from " XXXX, '' the salesperson at XXXX XXXX soliciting her to re-finance -- even though XXXX had been told at least twice that the car was in both our names. Regrettably, yesterday my wife received a call from XXXX again and she went to the dealership without informing me. While at the dealership, XXXX -- without my consent -- took my Social Security number and other personal, financial, and demographic data and performed a Hard-Pull through her Finance Department . This un-authorized credit inquiry has already appeared as a Hard Pull on all three Credit Bureaus -- without my informed authorization and without my signature. Experian, XXXX, and XXXX are already reporting the Hard Inquiries on their data.

Afterward, while my wife was still at the dealership, I complained to the management team about what had happened. XXXX became rude with my wife, then treated my wife very disrespectfully and in a beligerent manner -- -even though what she ( XXXX ) had done was fraudulent, unprofessional, and un-ethical.

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 2021-01-06
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dispute was submitted to collection company on XX/XX/2020 for outstanding balance {$280.00}. XXXX XXXX has failed to remove account. Dispute was submitted to collection company on XX/XX/2020 for outstanding balance of {$1800.00}. XXXX XXXX XXXX  has failed to remove account. Dispute was submitted to collection company on XX/XX/2020 for outstanding balance $ XXXXPhoenix Financial Services has failed to respond. These charges are fraudulent, I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I applied for a credit card for XXXX with XXXX Bank Creditor, I got my denial letter stating my credit score was low of XXXX from Experian at XXXX Experian XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. However, I went to Experian to obtain my credit score and it states XXXX. I check my credit score regularly and it has not been that low. I have called XXXX Bank and they told me to dispute with Experian because that is where they got the information, so when I called Experian they told me I needed to call back to the bank to figure out " what model they used to pull the credit score? '' He would n't let me make a dispute or speak with a superior and kept telling me to call back to the bank. So I called back to XXXX bank and they told me they do not give out those information nor can find out how to find that out. I need to find out where they obtained this credit score because it has denied me a credit card and also affect my credit inquire.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
someone has taken my personal info and has opened accounts that have been negatively effecting my credit and life as a whole. the inaccuracies of these accounts need to be thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
XX/XX/XXXX I 've received multiple offers for a XXXX XXXX XXXX Card with a sign-up bonus of XXXX miles after I spend {$4000.00} in the first three months of account opening. As I 've tried to apply via the XXXX website the sign-up bonus was showing as XXXX miles, so I 've called the Chase customer support number and the representative re-assured me that I 'll receive the XXXX miles, as long as I apply with his support via phone and request the miles to be credited after I meet the spending limit. I 've applied, and met the spending limit before the initial 3 months, XX/XX/XXXX. It has been over a year since I have the XXXX XXXX XXXX Card and I 've never received the advertised offer for XXXX miles, instead my account was credited only with XXXX miles. I 've kept inquiring via the Chase customer support every other week, and I 've spent at least 20 hours on the phone waiting or talking to some of their representatives and supervisors, without any success. During the initial calls the Chase representatives were re-assuring that I 'll be credited for the full amount, as I 've met the spending limit they 've started asking for a copy of the promotional letter, something that they own and should track in their marketing/advertising database, as I 've received a personalized letter on my home address. Nevertheless, during one of the follow up calls, XX/XX/XXXX, I 've shared the promotional code from the letter, and once again I was re-assured that there is a XXXX miles promotional offer associated with my profile and that it will take them another 1-2 months to credit my account. So I 've waited for another couple of weeks only to realize that Chase did n't honor their promise. Today, XX/XX/XXXX, I was told by one of the Chase customer support supervisors that since it 's been over 10 months and they have n't received a faxed/mailed copy of the offer, something that I 've shared with his team months ago, and it was acknowledged, that I 'm no longer eligible and I will not receive the full XXXX miles. I 've informed them that I 'll be raising this issue with you ( CFPB ) and I truly hope that you 'll help me and other customers by stopping these inappropriate practices before they become major issues. There should be zero tolerance for false advertising of rewards that the issuer has no intention or capability to honor. Also Chase should keep track of all personalized marketing offers, instead of playing a dumb, when it 's customers request their benefits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
/I requested a 7 day trial period for {$1.00} and sent in a termination request within 1 day and they a/re charging me for a service I do not want nor have used. Return my {$21.00} charged on XXXX/XXXX/16 to my credit card. That was my kids lunch monies 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 monetary relief
Consumer complaint received 2021-01-06
Company: Bread Financial Holdings, Inc.
State: MD
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 consumer XXXX XXXX, natural person entered into a consumer credit transaction with Commenity Bank/Victoria Secret. A consumer credit transaction is a transaction which a finance charge is involved, pursuant to 15 usc 1605, a finance charge is the sum of all charges in a consumer credit transaction. Because of this, I was not expecting a bill, Commenity Bank/Victoria 's Secret continues to send me a bill which is a violation of 15 USC 1692 B as it relates to my privacy rights. Commenity Bank/ Victoria 's Secret has caused me grave emotional distress before and during COVID and this is also harassment pursuant to 15 USC 1692 D.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XXXX XXXX I was informed that my credit card debt was {$45000.00}. On looking at my statement I am not aware of many of the transactions. Notwithstanding my credit axis limit for the card was {$25000.00}. Chase never alerted me that my account was going over the {$25000.00} limit. In the past Chase has alerted me if they were suspicious about a tentative transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
as previously notified, I am a victim of identity theft

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 2022-10-02
Company: NCB Management Services Inc.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
NCB Management Services obtained an out of statute debt originated in XXXX and written off in XXXX, more than seven and a half years have passed which precludes the creditor and any collection agencies from reporting it to my credit bureau.

Under the FCRA 15 U.S.C. 1681c -- - an account in collection can appear on a consumer 's credit report for 7 and a half years from the date of first delinquency on the account. More than 7.5 years have passed. 

That being said, NCB KNOWINGLY and FALSELY reported the " open date ' of the account as XX/XX/XXXX. 

This is an outright lie. 
An intentional lie. 
A willful lie. 
An outrageously ILLEGAL lie. 

I disputed the fraudulent lie through XXXX and XXXX. 

XXXX removed the false fraudulent report. 
XXXX was allegedly provided with false documentation and kept the fraudulent report on my credit. 

This original debt was obtained in XXXX and the car was returned shortly thereafter due to dealer fraud ( and disputed due to dealer fraud which is a separate case in itself ) The first date of delinquency was XXXX. NCB has no documentation showing otherwise unless it is creating false documents to violate the FCRA. 

This also violates FCRA 623 ( b ) ( 1 ), 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) in which NCB had a legal and federal obligation to investigate and remove the illegally reported item and instead, it produced fraudulent documentation, according to XXXX. 

Let it be clear, there is no document dated in XXXX that has anything to do with this debt. This debt originated and ended in XXXX with the return of a vehicle in XXXX and a complaint to the state about this dealer ( XXXX ) for fraudulent financial dealings. 

Any documentation later than XXXX is fake and I will commence legal action against this company if the CFPB does not take action as this is outrageous and illegal. 

If this company is doing this to me, it is doing this to others and I urge it to audit and investigate these illegal actions. The FCRA provides for maximum penalties of {$4300.00} **per violation** in the case of lawsuits brought by the FTC. 

XXXX also failed to properly investigate as required of any Credit Reporting Agency under FCRA 611 ( a ) ( 1 ) ( B ) -- the CRA must review and consider all relevant information submitted by the consumer. 

XXXX was made aware this debt was out of statute and it ignored additional dispute information. It failed to investigate the claim. XXXX XXXX, on the other hand, rejected the false documentation and removed the report from my credit as it properly fulfilled its legal dispute obligations during investigation. 

As such, both NCB and XXXX have caused significant damage to my credit by willfully violating federal consumer credit reporting laws. 

Both should be investigated. 

This out of statute and false report needs to be immediately removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan payoff was made on XX/XX/XXXX via wire transfer to Ocwen Loan Servicing. To date there has been no Loan Satisfaction received from Ocwen. A message posted thru Ocwen 's website message system on XX/XX/XXXX requesting staus. Letter dated XX/XX/XXXX from Ocwen stated that most responses take 10 days, some take 30 days for a response. It is over 60 days since my request was submitted and there is still no response from Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX Potentially Negative Status Paid, Closed. 
Account Type Credit card Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX  XXXX Potentially Negative Status Repossession. {$11000.00} past due as of XX/XX/XXXX. 
Account Type Auto Loan Balance {$11000.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute OFFICE OF THE ATTY GENER XXXX Potentially Negative Status Open. 
Account Type Child Support Balance {$5100.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute OFFICE OF THE ATTY GENER XXXX Potentially Negative Status Open. 
Account Type Child Support Balance {$11000.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX Potentially Negative Status Account charged off. {$240.00} written off. {$240.00} past due as of XX/XX/XXXX. 
Account Type Utility Balance {$240.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute

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 2021-01-06
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The loan was paid off XX/XX/XXXX and they reported it XX/XX/XXXX 30 days late for XXXX dollars that caused my score to be effected they also still show I owe a balance and the loan was paid off when I traded the car in. This is not right and they wont update my credit

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My personal information is inaccurately reported. Rather than fix the problem, TU sent me a letter accusing an unauthorized third party made the request. As if I'm not capable of advocating on my behalf. XXXX corrected the report ( thank you ). And XXXX never bothered to reply!

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 2015-09-21
Company: Paypal Holdings, Inc
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
We never applied for credit at Pay Pal Credit! They opened up an account in my name without my approval or submission of an application! I believe that this is a fraudulent practice XXXX! I have research suggesting this is a common practice by them! I need the account closed and the credit inquiry reversed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
around  XXXX , I had a mortga ge with wells Fargo, th e property address is  XXXX   XXXX   XXXX   XXXX , in  XXXX  I lost my job I had difficulty to make payment on time and I had tried to work with the company to keep my house after 15 years occupying it, they refused and they make to me a short sale telling me they would forgive all the difference that they would sell the house for, and I had no other choice than to accept it, while the short sale that they offered me in process, they filed a foreclosure which I fought to get the short sale though, on  XXXX   XXXX ,  XXXX , the process was done and went though, after that, because I no longer had the house, I went to the Post  Office and bought a mailbox, just after I did that, Wells Fargo sent me a letter telling me that they saw I changed my address so they will update my address for my account, so I called them reminding them   that I no longer had any business with them, they told me that it was a mistake on their part, after a while, I went overseas and I forgot to pay my mailbox before I left, so when I returned, the Post Office already sold my mailbox and gave another box number, once they found out that my mailbox number changed, they sent a  letter telling me the same thing, and I called them again, they told me it was a mistake, so I forgot everything, not too long ago, this time, I received a an email from them telling me due to the security, they wanted me to update my informations regarding my mortgage, and called them, they told me again that was a mistake, so I have gone too much with this matter, and lately I saw on the news that they had opened accounts on people name without their knowledge, this is raison why I am filing this complaint, thank you very much

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