BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-17
Company: 4M Collections, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting repeated voicemails from XXXX XXXX XXXX. First and foremost, I have not received any written letter from XXXX XXXX XXXX via U.S. Mail, as required by federal law, informing me of their intent to collect any debt from me, nor my right to dispute the debt. Secondly, I have informed them, via my voicemail, that they are to leave a detailed message why and who they are collecting for and if they continue to harass me I will report them. This method has failed as all they leave for a voicemail is, " This is an attempt to collect a debt by a debt collector. Please call XXXX XXXX XXXX at XXXX. Thank you. '' Third, according my credit reports, I have no outstanding debt that has been referred to a debt collector. Ultimately, XXXX XXXX XXXX needs to stop harassing me with debt collection, when they have the wrong number. Here are some of the calling and voicemail records I have of them. Called and left voicemail : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  Called and left no voicemail : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow-up to an ongoing Claim # XXXX which you indicate JPM is the process of reviewing. I have had a chance to review the documentation the notary, who came to my house to do the closing on the refi back in 2011, left with me. In this packet you will see : ( 1 ) copy of one of the letters from Chase responding to one of my claims, indicating that they had sent me a marketing offer for a super streamline HARP - As stated before this is incorrect. I did n't respond to any marketing offer. I enquired about getting a lower interest rate on my existing loan based on what the market was offering and being that Chase had my loan.
( 2 ) Copy of JPM Chase Commitment letter clearly indicating type of mortgage as : Conventional Fixed.
( 3 ) Copy of Notice of Right to Cancel clearly indicating type : Conventional ( 4 ) Copy of Uniform Residential Loan application clearly indicating type of mortgage as Conventional ( 5 ) Copy of Settlement HUD-1 clearly indicating loan type : Conventional uninsured ( 6 ) Copy of Truth and Lending Disclosure Statement Final copy indicating nothing about loan being a HARP. It is the Lock-in-Agreement the only document that refers to loan type as Conventional HARP. As stated before, based on the criteria required for a HARP loan, it does n't look like my loan qualified for such program as it did n't provide me with any added benefit but rather increased the overall loan amount by approximately $ 50k. Extended a higher rate than the current market rates while increasing my loan term by 13 years. The attachments clearly indicate that I was intentionally mislead. Chase never told me about the HARP program nor disclosed any advantages or disadvantages of converting into a different type of program. However, as the documents show, only the conventional program was being offered.
Regardless of the type of loan Chase granted me though, my request was to reduce my debt by refinancing at a lower rate which at the time was being offered, by different financial institutions including Chase, at below 4 % but Chase I only qualified for 5 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX est. Thursday, XXXX XXXX, 2017 I contact Fox Collection Center via phone and email in reference to an allege debit owed to XXXX XXXX and XXXX XXXX in the amount of {$72.00}. I spoke with XXXX. XXXX XXXX I inform her that I had email Fox Collection Center and XXXX XXXX  and XXXX XXXX a Pay for Delete contract agreeing to pay the alleged debit in full. During the conversation I informed XXXX. XXXX XXXX that I had spoke with the billing department of XXXX XXXX and XXXX XXXX just prior to speaking with her, I inform her that XXXX XXXX and XXXX XXXX had a copy of the pay for delete contract and that XXXX XXXX  and XXXX XXXX was fine with the contract but said I would have to go thru Fox Collection Center to pay the alleged debit because that they are using Fox Collection center to collect the alleged debit. XXXX. XXXX XXXX replied that Fox Collection Center would not review the Pay for Delete contract Nor accept my payment in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: GA
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 2015 I went to the atm and withdrew money from my bank account. I ended up overdrawing my bank account to about a total of XXXX. After it was overdrawn for a month, it was sent to collections, and this reflected on my credit report as a charged off debt. Then the bank Vice President, XXXX XXXX, decided to also call the police department and ask them to file a warrant on me. This is highly illegal. I currently have a lawyer working to resolve this issue.

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 2022-07-08
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: Account information incorrect

Complaint:
XXXX XXXX XXXX  deleted my account from the credit report yet it is still there and i paid off all my credit cards so there should be a XXXX balance fix or delete

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 2022-07-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX deleted my account from the credit report yet it is still there and i paid off all my credit cards so there should be a XXXX balance fix or delete

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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 information incorrect

Complaint:
XXXX XXXX XXXX  deleted my account from the credit report yet it is still there and i paid off all my credit cards so there should be a XXXX balance fix or delete

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 2017-08-17
Company: Global Recovery Group
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Global recovery group calls several times a day, usually repeatedly in a row. They also leave threatening messages about finding out where I work and coming to my house. I have requested an address for debt validation and the man who calls me refuses to give me an address. I have asked repeatedly for a letter to be sent to my house and the caller refuses. He emailed me a letter even though I requested something in writing more than once. The letter says the company is global recovery group and also says the current creditor is XXXX XXXX XXXX. So I have no real information on who I 'm suppose to respond to. The call wo n't tell me his last name. The messages I receive are from a woman named XXXX who states I 'm going to be served with a claim at home or at work. Still, all requests for written communication or an address to send a certified letter are refused. They continue to call my husband and my parents house after I requested them to stop

Company response to consumer: Untimely response
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: TX
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:
Equifax was hacked and divulged all of my personally identifying information ( name, address, SSN, DoB, etc ... ) to a third party due to lax security practices and not keeping their software up to date ( it was reportedly a flaw in XXXX that had already been patched - XXXX XXXX XXXXXXXX ). The credit reporting bureaus MUST be a secure and steward of this information as they 're a clearinghouse for EVERYONE 'S PII.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX XXXX furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX : ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX XXXX ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report XXXX Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2021-08-24
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: Their investigation did not fix an error on your report

Complaint:
Equifax has violated my rights under the FCRA and FTC Laws. Based on the laws, every information must be accurate, no errors and verifiable. Based on their investigation ( see enclosure ), they have not verified the information that shows on my Equifax credit report. I sent a certified letter ( see enclosure ) on XX/XX/XXXX asking for the validation of the unauthorized inquiries showing where I have signed any document. Please direct Equifax to remove the unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Vital Solutions, Inc.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX responded with the following : which is not true and a misrepresentation ; Third, you allege Vital continues to unlawfully collect a debt. Vital received a letter from you dated XX/XX/XXXX that requested verification of the debt and requested that any communication with you or your family members should be done in writing. Vital complied with your request and sent written verification to you on XX/XX/XXXX. Furthermore, Vital also ceased collecting your account and cancelled the payment plan agreed to by XXXX xxx. Vital will no longer be contacting you or XXXX xxx about this account. I trust that this correspondence explains Vitals handling of your account and satisfies you that its actions were proper and lawful. Please do not hesitate to contact me with any questions you may have. Thank you for your courtesy. XXXX XXXX Manager of Compliance XXXX XXXX XXXX XXXX | P : ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, GA XXXX This Communication is from a Debt Collector. Enclosure ( XXXX ) : XXXX On XXXX XXXX, XXXX, Vital submitted an ACH payment of {$310.00} to my financial institution that successfully cleared onXX/XX/XXXX On XX/XX/XXXX Vital submitted another ACH payment of {$310.00} to my financial institution that was returned in correspondence of XX/XX/XXXX Vital did NOT comply with request nor did Vital cease collection activities. Financial institution will be providing a copy of the returned check dated XX/XX/XXXX submitted by Vital. Vital has continued to submit payments, although per the statement above per Manager of Compliance states that they had complied with request and ceased activities in turn causing financial duress. 15 U.S. Code 1692f - Unfair practices -- Violation ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. Vital also states that " After a comprehensive review of the relevant call recordings for your account, Vital respectfully denies these allegations. '' But a lawful recording of an in-person conversation requires the consent of all parties. Mo. Ann. Stat. 542.402 XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: AES/PHEAA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/2012 I was going to attend XXXX XXXX College. A little XXXX school. I withdrew before starting and loans were still disbursed to this scam school. For the past 6 years I have been trying to get it discharged like the ombudsman said to do but XXXX XXXX XXXX keeps denying and won't tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: FIDELITY CAPITAL HOLDINGS, INC
State: LA
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 lived with an XXXX ex for like 2 weeks at an apartment. He XXXX XXXX the last time and I left. I was never on the lease or signed or anything like that. The apartment people have sold my info to a company that refuse to validate the debt and refuse to remove it off my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have XXXX Doolers in Citi bank I cant acsses 2 years without a Phone Im a XXXX living in XXXX XXXX, I went two 5 Pone Companies couldent Get USA bank Phone numbers two Work Two Call a USA Bank Requires International Long Distance Cell Phone may cost me XXXX a Year Or I live in 5 coutries a year and buy 5 new Phones or 5 new SIM Cards XXXX XXXX has email Verifiation and XXXX XXXX is the only Bank Usable two me I would like Citi bank two mail XXXX XXXX a Check fore XXXX Dollers two XXXX XXXX so I can buy Mutuail Funds and Stocks Citi bank could email me the Bank Code Citi bank Could make the Transfer Fore 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 2022-07-08
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: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting a collection account on my record. I am victim of identity theft and I sent Equifax a copy of police report. They requested additional information to verify my identity and it was sent. They have not removed the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: IA
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 XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX : ACCOUNT # XXXX DEPTEDXXXX XXXX ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX XXXX  ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX XXXX  ACCOUNT # XXXX DEPTEDXXXX XXXX ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report . Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2017-08-17
Company: CITIBANK, N.A.
State: MO
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:
In XX/XX/XXXXI attempted to modify my 2nd mortgage with CitiMortgage. I was told by a Citi employee that they could not help me unless I was delinquent on my mortgage and I was advised to stop paying my mortgage. After becoming delinquent for several months I again attempted to have my 2nd mortgage modified. The modification was not accepted after 2 test payments. This occurred in XX/XX/XXXX. After negotiations with Citi stalled, I received the attached letter from Citi stating that my mortgage will be forgiven. I also received the attached Full Deed of Release showing my mortgage was PAID IN FULL. CitiMortgage is reporting my 2nd mortgage as a Charge Off which is incorrect and is adversely effecting my credit report and therefore my ability to refinance my existing mortgage on the home I purchased on XX/XX/XXXX. I sold the home which originally secured the 2nd mortgage on XX/XX/XXXX and purchased a new home.

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 2022-07-08
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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