BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-27
Company: Associated Management Company Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call yesterday XX/XX/XXXX from a number I 've never seen. I initially did not answer it. I then received a call from my brother who indicated a man called him asking where I was and said his name was XXXX XXXX. My brother did not provide the man with any information, I do not live with my brother, he has never consigned a loan for me or been on as a referral.I called the number back and heard the initial voice message indicated that I was calling AMC XXXX XXXX and then a man by the name of XXXX XXXX answered, I asked him who he was and did not identify myself. He then said he knew I was XXXX XXXX, he found out all about me, my job, he knew where I lived and knew who I worked with. He then stated that he had a " unique '' way of dealing with situations. All the time never stating what he wanted, payment, what I owed, just intimidating me. Out of immediate fear I hung up the phone and I then contacted the XXXX police department, they sent police offficers to my home to interview me and file a complaint with this individual. They contacted the same number, spoke with both XXXX XXXX and XXXX XXXX and explained that they were not to contact me since the allegations were on the border of harassment and potentially criminal. The police officer, Officer XXXX, also asked ( at my request ) that they mail me any demands on their civil request. At which point XXXX XXXX stated they had. My complaint is against AMC XXXX, the phone number I was contacted by is XXXX. I want an investigation opened for violations of FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Sequium Asset Solutions, LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi my Im having a big issue with XXXX I never had account with them before in XXXX I seen a collection on my credit report from then I co reacted then XXXX XXXX after a few months or so the credit Bureau took it off my report for fraud it was in XXXX it happens again I could reacted XXXX XXXX again immediately complained I never had acct with yall its fraud once again the credit burea took it off now again XXXX there sayin theres multiple accounts in my name I complained again said how when I never had XXXX before the guy on the phone from XXXX then tells me that someone used my info I said thats fraud he tells me a female used my info and there policy is if someone has somebody info then there allowed to go threw service I was furious like how this is my life my credit fraud how can yall let them do that he said because they had my info something needs to be done about this the credit bureau gave me yall info told me reach out ASAP to let yall no whats goin on so something could be done about it please let me no what steps I should take or do to stop this from keep happening thanks a lot

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is inaccurate. I was never late paying my debt. Correct this wrong information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have attempted to open several bank accounts and looking to buy a home in the future. Unfortunately Im for some reason not allowed. Ive been pushed over to different services for 3 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
National Credit Systems is ruining my credit reports for XXXX XXXX XXXX. This balance should have been collected from my guarantor company XXXX rent but XXXX place did submit their claim the correct way now they have given the balance to a collection agency that has harassed me threatened to take me to jail and called my family. The company also has reported the collections account three times on the same credit report. The are making life hard for me and scarring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account does not belong to me.

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 2021-06-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TO WHOM IT MAY CONCERN, I NOTICE THAT THERE WAS INCORRECT INFORMATION ON MY CONSUMER REPORT PERSONAL INFORMATION. I HAVE ATTACHED A LETTER FOR THE THIS TO BE RESOLVED IMMEDIATELY WITHIN A CALENDAR DAY. INCORRECT DATE OF BIRTH, ADDRESSES, PHONE NUMBERS. 

THE CORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CELL : XXXX DOB :XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: State Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent several letters to State Collection Service in XXXX Wisconsin to verify this account. They continue to report it to all credit bureaus XXXX XXXX XXXX, XXXX XXXX XXXX ). The letters I sent to them were dated XX/XX/2021, and the final letter was sent on XX/XX/2021. They continue to report the unverified accounts to the credit bureaus. This account is a fraudulent account and without verification is under State and Federal violation. This should be REMOVED from ALL CREDIT BUREAUS. I have tried many times for State Collection Service to provide me with the contract with my signature on it. They continue to ignore my request. All letters sent were certified and returned receipt and it was received by State Collection Service. Yet they continue to report it to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Action Revenue Recovery, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In response to your response of We appreciate the opportunity to respond to this complainant. A review of our records reveals an account that may belong to the complainant. The name is a partial match ( 2/3 ) perhaps maiden name used, but the address does n't match. The account was placed with us in XX/XX/XXXX and a collection notice letter was mailed to the account owner. To properly review our records we will need the complainant to confirm the address used during that time period along with her date of birth and/or social security number. Upon receipt of this information we will complete our investigation of the complaint. 

My Name Is XXXX XXXX. The account must be under my maiden name ( XXXX ) You claim to have had this debt since XX/XX/XXXX but yet you placed it on my credit report between XX/XX/XXXX-XX/XX/XXXX? Again as a consumer that 's protected under the FRCA i would like to be able to use MY rights and dispute this account. It needs to be removed while i am requesting debt validation from this agency. I am requesting proof of this debt and a medical release form.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
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: Their investigation did not fix an error on your report

Complaint:
The credit reporting agency refused to accurately report information about my credit worthiness and after asking for debt validation, updated address and employer, credit amounts, they have still not thoroughly completed their investigation but still reporting inaccuracy on 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 non-monetary relief
Consumer complaint received 2017-09-27
Company: First Data Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I have a Money Network card through XXXX XXXX. I 've had the card for about 6 or 7 months. I had direct deposit through my previous employer with no problems. I have even loaded money onto the card through XXXX with no problems. 
I am at a new job now and have direct deposit set up going to my Money Network card. 
They froze my account and wanted me to verify my identity. I faxed the documents they requested which was my I.D . then wait 48-72 hours for their compliance department to process. 
After waiting the 72 hours, they said they never received anything. So I faxed again. 
This time I faxed I.D., social security card, check stubs. That was Friday X/XX/2017 so I had to wait over the weekend and then the full 72 hours. 
Now they are saying they cant read my I.D . and I need to re-fax for a third time and wait 72 more hours. My paycheck is sitting there froze.

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 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Lake City Credit
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX AKA Lake City Credit has received the complaints I have made to the CFPB. The complaints were to stop harassing me in regards to a Identity Theft /FRAUDULENT / FORGED account. This company has received all the appropriate documentation required by law. The credit bureaus have provided police report, affidavit, signed and notarized. The FTC Identity theft form and several complaints requesting them to CEASE PHONE CALLS & CORRESPONDENCE VIA MAILING. This is not a debt to attempt to collect on. This is a FRAUDULENT ACCOUNT. THIS IS A RESULT OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed a claim with Chase/XXXX in XXXX when a fraudster somehow got my Savings account information and used it to deposit money into his XXXX account. It was multiple transactions which totaled almost {$15000.00}. I got about {$1500.00} of it back. When I filed the claim, I was told by XXXX that it was their fault, therefore it should have been easy for my bank to get back. I was given a pullback number which I gave to Chase. XXXX is currently saying there is {$12000.00} available for Chase to get back. Chase is saying they don't know how to do that and that it's XXXX 's job to send the money back. XXXX is saying the bank has to file an ACH return for that. Even today I was on the phone with XXXX and they're saying they've never received anything from Chase. I've gone back and forth with them and they just keep blaming each other. I've gotten no help and I don't know what to do anymore. Can you help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report ( Experian, XXXX, and XXXX  ) are reporting collections information from a company called XXXX. The additional information being supplied by XXXX contains information about where and when I received healthcare. There is not an original HIPPA release form on file. Because the name of the place where I received service is also reported, it reveals very personal information and in this case is a HIPPA violation.

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 2017-09-27
Company: EQUIFAX, INC.
State: NC
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:
Hello ; I have been at odds for the last two years with all three credit reporting groups ; XXXX ; XXXX XXXX ; and Eqifax. 
I have contacted them twice about correcting my name and business history ; and then my items like available credit. 
Most recently my credit score has crashed from nearly XXXX to XXXX without me doing anything but normal business. And their only answer is that I 'm using too much of my credit! 
I will give them the consideration that I have two disputes and a settlement finalizing about medical care ; but still all my accounts are paid. Even during XXXX treatment I was able to keep all my accounts up, and even later pay balances back down. 
At this point they just ignore my information and report all kinds of things like my available credit being something like {$2000.00} This is asanine!, XXXX XXXX has {$3600.00} available for me ; XXXX XXXX has over {$20000.00} ; of which I only used {$13000.00} and payments are current. Additionaly XXXX XXXX has offered {$38000.00} limits in auto finance ; four other credit offers have been made that total over {$5000.00}, and XXXX XXXX has offered {$6000.00} in a credit line. 
So, i have written them all twice to stop reproting only the bad parts of my credit file, and show the reality of the whole picture! 
This has resulted in a ripple effect of XXXX XXXX canceling one of my accounts and reducing all my accounts they administer, and my score has crashed from going up steadily to about XXXX, ( XXXX XXXX, back down to XXXX recently. And again a vendictive attitude, asanine excuses, and a one way mirror effect from them. 
The biggest thing they ever did was send my complete report from two of them, showing numerous entries of credit checks I never asked for, and again, no mention of my large credit open lines. 
I also closed a bankruptcy in 2007, and it expired, but the effect is like they are vendictive about not showing it. 
I am way over my head in how to deal with them and the more I say, the worse it gets. They take a defensive tact, and thats the end of that. 
Can you help, I ca n't afford to sue three big firms like theirs, and I guess they count on that? 
I actually think there is a collusion with some entities and their reprots since people that wanted my business had no negative things to say, like XXXX XXXX, but others just jacked up rates and snarled about the " negative reports ''!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
AUTO LOAN : XXXX XXXX XXXX {$9700.00} this account was closed because it past ( XXXX yrs XXXX mos ) since the date it's opened XX/XX/XXXX Already past the statute of limitation in CA according to the law and consumer 's right 's under the law. now I see this AUTO LOAN Account re opened again after it was closed, that does't make any sense, also violating the consumer 's right 's under the law, I Called transunion credit bureau four times to help me to understand what's going one with this account 's, unfortunately No clear answer was give it to me, My credit scoXXXX has been damage a lot causing my credit drooped XXXX points down this month XX/XX/XXXX under section : missing monthly payment 's according to My credit report monthly checked online, Please I need cfbf contact transunion credit bureau to investigate and I request from transunion credit bureau to remove this AUTO LOAN : XXXX XXXX XXXX because it doesn't belong to me based on identity theft happened to me before. 
dispute FILE NUMBER : XXXX for My Case in transunion credit bureau.

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