BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: NC
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 have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 2022-02-20
Company: Credit Bureau of Jamestown, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not owe any debt to CBJ Recovery for {$37.00}. I do not owe anything however it is being reported to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Monterey Financial Services LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today is XXXX day of XXXX year 2022 MONTEREY FINANCIAL SERVICES LLC per last communication via cfpb complaint stated that they were going to continue reporting on my consumer report which I never gave your company consent to furnish anything on my consumer report which is a violation of the FDCPA FAIR DEBT COLLECTION PRACTICES ACT I do Not have or never had any written/signed contract with MONTEREY FINANCIAL SERVICES LLC and if you believe I do produce a contract between your company and me the ( consumer ) that gives you the authority or grounds to collect a debt from me. Your company was never allowed to contact me nor purchase my information because I never gave your company permission or my written consent your company must have prior consent given directly by me the consumer pursuant to 15USC 1692c ( a ) MONTEREY FINANCIAL SERVICES LLC used threats in the initial complaint by stating they was gone keep reporting non validated information on my consumer report which is a violation pursuant to 15 USC 1692d ( 1 ) and ( 2 ) to harm the consumer physical reputation by charging interest as I see on my consumer report by your company as well as using obscene and profane language thats another violation. On the packet of your company sent the consumer on XXXX XXXX shows a symbol of a tree which is also a violation pursuant to 15 USC 1692b ( 5 ) this what tells me your a debt collector. The first communication via telephone call made to the consumer your company also stated that this was a attempt to collect a debt which is also a violation pursuant to 15 USC 1692b ( 3 ) I can go on how your Company is violation my rights as a consumer in attempts to collect on an alleged debt. After your company received the cease and desist pursuant to 15 USC 1692c ( c ) ( 1 ) etc but MONTEREY FINANCIAL SERVICES LLC fails to abide by federal law and continues to violate the consumer. I do not wish to call your company because theres is really nothing to talk about or settle as far as me being the one paying cash for an alleged debt. I demand your company to stop furnishing on my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: CA
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX is showing XXXX late payments on a closed account that is COVID 19 related. This account has been fully obligated and now because of COVID 19 is indicating XXXX time late. Partial account # 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 2022-02-20
Company: United Collection Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I have submitted multiple disputes to XXXX, made multiple calls to United Collection Bureau, as well as tried to resolve this issue directly with XXXX XXXX XXXX to no avail. This issue has been resolved with XXXX and XXXX with XXXX refusing to make the appropriate changes. 

XXXX XXXX XXXX improperly reported me to United Collection Bureau without seeking to collect payment from me directly. Upon calling XXXX XXXX XXXX, they have no record of ever sending a bill via mail or email. They only have a date in which they created a statement. 

After numerous calls with XXXX XXXX XXXX, they refuse to investigate the situation citing that this case has already been turned over to United Collection Bureau. They refuse to produce any record that they ever attempted to bill me for my services and simply state the this has been turned over already and is out of their hands. 

United Collection Bureau insists that XXXX XXXX XXXX has the burden of remedying this situation and that they are only the reporter. 

In talking to XXXX and filing multiple disputes, this bureau continues to somehow find that the improper reporting of the delinquency is valid despite XXXX XXXX XXXX having no records to support. 

That said, United Collection Bureau should be removed from my report. The account is closed, paid, and was improperly created as the result of fraudulent practices by XXXX XXXX XXXX. 

Thank you, XXXX XXXX ( XXXX XXXX Service Date : XX/XX/2020 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
JEFFERSON CAPITAL SYSTEMS has reported a collection account to XXXX without my expressed written consent pursuant to 15 USC 1692c ( b ). This is fraud. It is also a direct violation of 15 USC 1692e - False or Misleading Representations under 15 USC 1692e ( 8 ) because credit information that is known to be false is being communicated to consumer reporting agencies. This company violates 15 USC 1692g - Validation of Debts, as well for the reason that I was never never sent a written notice to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This phone number keeps calling me regarding my PayPal credit account asking me to call a different number. They ohrase it as if they are debt collectors, however, I am not behind on my payments. When I call, there's no response and I'm apprehensive about calling again so they don't grab my 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 2022-02-21
Company: Bridgecrest Acceptance Corporation
State: NJ
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:
Under 15 US Code 1666 ( b ) - Correction Of Billing Errors no late payments should be on a consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: JPMORGAN CHASE & CO.
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 previously filed several complaints with CFPB for other issues with Chase, for example a checking account, they mishandled my paycheck on more than one occasion, ie holding funds that had been verified, therefore causing a number of subsequent issues ( bill payments bouncing, not having availability to my funds at the date it was said to be available, charging fees, etc. ). When my funds finally became available I immediately moved it to a new bank and Chase attempted to reacquire to be spiteful and without my consent. I blocked them ... My new bank alerted me, honored the rules, but I had to go to my new bank to fill out a form stating Chase attempt was not approved and they could not withdrawal from my account without my written consent, ever. 
Since that time Chase continues to retaliate against and attempt to bully me for the complaints I have filed with CFPB, by closing my credit card ( XX/XX/2020 ) for no valid reason ( gave me several different reasons over several unnecessary phone calls and messages ), causing " glitches, '' therefore making extra work for me to do, compounding interest and reporting incorrectly to all three credit bureaus. 
Since closure, I have paid this card as agreed, on time and in full ( {$2700.00} XXXX XXXX ), however Chase is continuing to report as active account, charging fees they are not entitled to, compounding interest ( interest charged is the same amount now as it was when the account was open ) and reporting the limit too high ( {$2500.00} is what I agreed to and had ). To my understanding this violates several laws ... Fair Credit Reporting, attempt at theft, etc. 
I held on reporting this until now for four main reasons 1. I did not catch how they were reporting until 4 months ago 2. I keep trying to give them the benefit of the doubt they will act accordingly, they wont obviously 3. I paid/closed my auto loan account and wanted to make sure they could not retaliate further for this one and mess something up. 4. I am tired/lost patience a long time ago for the games they play They made this personal. It is pathetic and a waste of my valuable time to keep contacting CFPB to reprimand Chase. Chase has to follow the rules they are bound to, remember it is not their money we allow them to handle and just because they have a lot of money/power they can not just do whatever they want. 
I am not the only person I know of them doing this to. 
Chase need to be slapped just as XXXX XXXX was recently : ) Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Greetings to you ; Please be advised, that I XXXX XXXX have tried on multiple occasions to dispute the inaccuracy of this account being negatively reported on my credit reports with EQUIFAX ; This account in question IS NOT THE CORRECT AMOUNT Being reported ; my son XXXX XXXX XXXX is now XXXX XXXX XXXX XXXX ; has been XXXX  as of XXXX  ; and his current XXXX is passed the XXXX XXXX limit to collect child support in the state of New York! 

In quoting ny.court.gov in which it clearly states : " In New York State, a child is entitled to be supported by his or her parents until the age of 21. However, if the child is under 21 years of age, and is married, or self-supporting, or in the military, the child is considered to be " emancipated '' and the parents ' support obligation ends. '' However, NYS DEPT OF SOC. SVC. CHILD SUPP AGENCY is Still attempting to collect child support illegally, and thus continuously reporting illegally to Equifax despite my many attempts to resolve this matter. 

Equifax has Failed to provide me PROOF that this account is 100 % accurate and the amount reported on my credit file is 100 % Accurate according to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), in which it states you are required by federal law to verify the accuracy of any reporting to my credit files, if disputed by a consumer, within 30 days. 

If this account ending in XXXX can not be verified as being accurately reporting with accurate amounts being listed as owed, It MUST be removed according to Fair Credit Reporting Act. and 15 US.C Sec. 1681 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
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: Personal information incorrect

Complaint:
I HAVE SENT LETTERS TO XXXX XXXX TO FIX MY PERSONAL INFORMATION THEY ARE THE ONLY CREDIT REPORTING COMPANY WITH MULTIPLE WRONG ADDRESSES. SPELLING OF MY NAME AND INACCURATE WORK HISTORY. I SENT THEM AN UPDATE WITH A COPY OF MY DRIVER 'S LICENSE AND THEY STILL DIDN'T UPDATE MY PERSONAL INFORMATION. 

THE CORRECT INFORMATION IS : NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX TX, XXXX WORK : 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 2023-11-01
Company: MOHELA
State: MO
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:
In XX/XX/2023, I applied for a loan consolidation for all of my students loans including the defaulted student loans and I chose my student loan servicer to be Mohela. I received a letter from XXXX dated XX/XX/2023 that all of my student loans were consolidated. But weeks later, I received a letter from XXXX that some of my loans went to them and the rest to Mohela. I have contacted Mohela and U.S. Department of Education about this issue and both told me to contact my loan servicers. I keep getting the confusing information of whom to contact. 
XXXX I submitted a complaint to XXXX XXXX XXXX. 
XXXX I received an email from Mohela that my student loans were paid in full. 
XXXX I received an email from Mohela stating that I had a past due balance on a monthly student loan payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please remove this inquiry, I have no knowledge of this information 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 2023-10-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2019-12-05
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I closed on a mortgage refinance loan on Monday, XX/XX/2019 with Quicken Loans. I was told to bring {$0.00} to closing. 

I received a phone call from Quicken Loans on Wednesday, XX/XX/2019 stating that the payoff amount from my previous loan was " miskeyed, '' and that I owe Quicken. ( Approximately {$3800.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I can not accept the presence of public records on my credit report. It is causing significant XXXX  and distress, and I implore you to remove them without delay.

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 2022-11-20
Company: Experian Information Solutions Inc.
State: PA
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:
I am filing this complaint on.Act 15 USC 1681 Section 602, 604, 15 US Code 1681A, 1666B

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 2022-11-20
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I opened a XXXX Savings Account, as part of the onboarding flow, I connected my XXXX  XXXX XXXX account and transferred in XXXX dollars. 

On XX/XX/XXXX I received two " change of address '' notices, alerting me that they had to correct the address I'd added when I signed up. 

On XX/XX/XXXX I tried to log into my XXXX account, and saw that it was " Temporarily Locked ''. The website said to call in order to unlock it so I did. I gave all my identifying information, and they requested that they mail me an affadavit of identity, have it notarized, and then for me to mail it back to them. I'd asked them to just send me the money back, but they refused. 

On XX/XX/XXXX, I called XXXX again as I still hadn't received a letter. They assured me that the form would take 7-10 business days to mail to me. I asked them what address they'd mailed the letter to and they confirmed they mailed it to my home address ( below, I describe how I was told something different by another agent ). 

On XX/XX/XXXX, I called XXXX again as it had been 10 business days. I also noticed in my email that after my call on XX/XX/XXXX, I received an email saying my account had been closed ( even though my money was not returned to me ). I asked about this and received 0 information. I asked again about the letter they were supposed to send me, and they had said that they sent it to an address which was not my home address ( it was an address that did not exist, perhaps a result of them having the wrong address for me originally on file ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 ACCORRDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST ACCOUTS BELOW HAS VPLIDATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S 1689. 


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 

15 U.S.C 1681A SECTION 602 A. STATE I HAVE THE RIGHT TO PRIVACY 15 U.S.C DECTION 604 A SECTION 2 : IT ALSO STATES A COMUSMER REPORTING AGENCY CONNOT FURNISH ACCOUNT WITHOUT MY WRITTEN NOTICE. 

15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING TEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS WHICH ANTEDATES THE REPORTING BY MORE THAN SEVEN YEARS.

15 U.S.C1681S.-2 ( A ) ( 1 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
My XXXX  federal tax return was deposited into the wrong account of a bank of america customer

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