BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-02
Company: TOYOTA MOTOR CREDIT 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:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The AMEX XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


AMEX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I was approved for the XXXX plan by Nelnet, but the company has not provided me with the information needed. They continue to ask me to take action to be enrolled, but will not tell me how much I owe under the XXXX plan nor the due date. In the meantime I continue to accrue interest at the standard rate, which is an undue burden according to the Department of Education. 

Attached is the letter I received on XX/XX/XXXX saying " The one-time Reduced Payment Forbearance payment amount you chose is. The payment is due on. '' Also attached is a screenshot of an alert I get when I log onto Nelnet saying action is needed and to refer to the letter that has incomplete information. Call wait times continue to be too long for my schedule, and none of my emails asking for help from Nelnet have been answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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 2021-07-02
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: Account status incorrect

Complaint:
On XX/XX/XXXX XXXX, XXXX and transunion reported a new collections account on my report. XXXX XXXX XXXX is the collector and the account belongs to XXXX which was XXXX XXXX XXXX. On XX/XX/XXXX I paid the account in full with XXXX even though I dont believe the debt to be accurate because they told me they would delete it from my credit report. The conversation was recorded and happened with 2 separate employees. These collections need to be removed from my account ASAP

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
These are not my inquiries. I believe I have been the victum of identity theft. 

I have already submitted a request to CFPB and to Transunion, but Transunion has not removed these inquiries from my credit report. 
XXXX XXXX XX/XX/XXXX XXXX OF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Please remove these fraudulent inquires immediately according to the Fair Credit Reporting Act.

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 2023-08-26
Company: Experian Information Solutions Inc.
State: GA
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:
Hello, I have been disputing these collections. Based on the FACTA ACT these accounts should be investigated properly. These accounts are still affecting my score and are not accurate, not my account and not validated. 
I would like these accounts investigated and removed immediately based on law 15 U.S.C 1681 i 7 and to know what steps were taken. 

Accounts : XXXX XXXX XXXX - {$11000.00} XXXX : {$450.00} XXXX XXXX : {$580.00} XXXX  Automated Collections : {$1300.00} XXXX XXXX XXXX  : {$870.00}

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 2021-07-02
Company: CMRE Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company, CRME, keeps calling my phone ( electronic message ) for an individual that is not me. I made contact with them to have them remove my number and that the individual who they are trying to reach is not at this number. They are trying to contact 'XXXX XXXX ', not sure how it's spelled. I have had this number for over a decade. They continue to have their automated system call my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: CAINE & WEINER COMPANY, INC.
State: OR
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 accordance with the Fair Credit Reporting FRIST Premier 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Global Asset Agency, Inc.
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:
On XX/XX/2022, Global Asset Agency added a negative credit line to my credit report for a debt that they had never contacted me about or provided information to me prior to this being added. 

I have no knowledge of this company or the debt it refers to. 

I tried multiple times to dispute the debt and receive verification, but only was able to receive a canned reply from XXXX " this company has certified this information as being accurate. '' Seeing as how I don't know who this company is, what the debt is, and now they've dinged my credit and are affecting my ability to get additional credit, that is a frustrating response and I believe illegal since they didn't provide information prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. And a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions 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:
On XX/XX/2023, there was written correspondence ( XXXX XXXX  ) sent to the Credit Reporting Agency Experian. I explained very thoroughly about the information within the Consumer Credit File was incorrect and needed to be removed IMMEDIATELY, as it was causing major harm to a Federally Protected Consumer. It is denying me the RIGHTS that are granted to me to secure what is needed for family, personal and household purposes. I also included the account information that I wanted to be removed because the information was wrong and the third party debt collector had no verification or validation that the alleged debt was owed but Experian decided to furnish the information anyways without any prior written consent and pursuant to15 U.S. Code 1681b - Permissible purposes of consumer reports they are in direct violation. I gave notice of my fee schedule for Experian being willfully noncompliant by furnishing consumer credit files that are misleading and false. I have attached the letter that was mailed and also an invoice.

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 2021-07-02
Company: EQUIFAX, INC.
State: PA
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 bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Onewest Bank allowed a fraudulent check to be written using my account number. I am at a loss for XXXX XXXXXXXX dollars, and they have refused to take any action. Details below. 

Onewest Bank was notified on or about XX/XX/XXXX about a incident of check fraud, where a check I had issued in the amount of {$1900.00} was cashed by someone other than the intended recipient. This check was cashed on or about XX/XX/XXXX. The date on the check has been forged and there is no endorsement on the back of the check. Onewest Bank refuses to tell me any information about where or whose account this check was deposited into. An affidavit has been signed affirming these facts on XX/XX/XXXX. When calling Onewest Bank, the expected time for resolution of the claim has been changed from 30 days, to 45 days, to now 90 days. I have attempted to resolve this matter in person at a branch on XX/XX/XXXX and XX/XX/XXXX, as well as by phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have been given no explanation or answers about when my stolen funds will be returned. 

CFPB complaint filed. Case XXXX During this complaint I had been in contact with a XXXX XXXX at the Onewest call center, at XXXX XXXX XXXX XXXX. After filing a complaint with the CFPB, i was contacted by a XXXXXXXX XXXX with Onewest Bank XXXX XXXX XXXX Team, phone number ( XXXX ) XXXX. XXXX XXXX  continually assured me that this would be resolved 90 days after the initial claim was filed, and that they were waiting for XXXX XXXX XXXXXXXX to respond to the claim. XXXXXXXX XXXX  as refused to disclose the identity of the person whose account the fraudulent check was deposited into. I have called XXXXXXXX XXXX on multiple times getting the same useless statements, not giving any real time frame other than 90 days for me to have my money returned. 

XXXXXXXX XXXX  has now refused to return my calls since the 90 day period since the claim has ended. I have called her on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX XXXX has now referred me to the local bank branch, which has no authority to reimburse me for a fraudulent check. Rather than address the claim, Onewest has decided to direct me to " XXXX XXXX XXXX' in reference to my stolen funds. 

Onewest bank has lost {$1900.00} of mine and refuses to reimburse me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To Whom It May Concern, It has come to light that this credit " Bureau '' is not in my best interest, and is in the art of illusion to sell me the " secured party creditor '' a status that is not only unconstitutional but unlawful. This " Bureau '' has obfuscated my consumer rights to do business as a consumer & as the original creditor. Further, this so called " credit organization '' is not found in 31 U.S.C. and is not Congress made. The level of fraud here is a true art of illusion for those without an eye. I DEMAND this unlawful entity completely remove & clear ALL these " credit reports '' and the amendments with my business name in order to continue to do business. TREMBLE DAMAGES WILL APPLY IF MY DEMAND IS NOT MET. 15 USC 1692c. ( c ) 15 USC 1692c. ( c ) ( 2 ) -

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 2023-08-26
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm looking to purchase a new home for the first time and I've never looked at my credit before. To look at it and see these fraudulent items was quite disappointing to say the least. According to law 15 U.S.C 1681 there should not be any damages to my report, it's a defamation to my character.

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 2019-12-12
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I contacted the company after numerous contact from the company to asked them why they were sending a dent collection. i also stated that i did not take any course from them after the 1st attempt. They continued to state that i will have to pay the dollar amount owed. The gentleman whom i spoke with around earlier months XX/XX/XXXX to XX/XX/2019 stated that i needed to pay the dollar amount. 
A few months later i contacted the agency after all contacted me, to asked me to pay for the dollar amount owed. ( i never saved their number ) which is why I wanted to know who was calling me i spoke with ARS - XXXX XXXX who stated that I was responsible for a XXXX $ and XXXX . i was willing to set a payment plan. Though I explained that i was not responsible for the debt because i never finished the course and i made the payment twice when i was still taking the course. 
ARS XXXX XXXX stated that i needed to set up a payment plan. In the process of cleaning my credit, i felt obligated to set it up. Then i had family obligations which affected my ability to follow through with payments. I contacted the company and asked for an extension and XXXX XXXX refused. I should not pay for a full amount that i did not use. That is not ok. 
Today on XX/XX/2019. Ability Recovery rep XXXX XXXX contacted me and stated that i was a liar and she is seeing that i am challenging the items. I do not think that she has the right to contact me and use such obscene language towards me. 
Whether i am challenging the account or not, she should not determine my actions towards the false claim that is hurting my credit unnecessarily.

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 2023-11-02
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Unresolved Issue with JPMorgan Chase & Co . 

Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a matter of utmost importance and urgency regarding an unresolved issue with JPMorgan Chase & Co . I have encountered significant difficulties in my attempts to retrieve funds held by Chase, and I believe that my rights as a customer, as well as banking regulations, are being violated.

The issue in question pertains to a cashier 's check that I deposited into my JPMorgan Chase account. The cashier 's check was issued in the name of my brother, " XXXX XXXX, '' and I had explicit authorization from him to deposit this check into my account. Following the deposit, I requested that Chase return or issue the cashier 's check to me, but the bank has been uncooperative and has failed to resolve this matter despite numerous attempts at communication. 

I initially provided my brother 's phone number to Chase as a means of verifying his authorization for the deposit. However, the bank refused to contact him through the provided number, claiming it was not registered with major carriers such as XXXX, XXXX XXXX XXXX, or XXXX. I explained that my brother uses a prepaid phone plan, which is likely the reason his name does not appear in these databases. I suggested that Chase contact XXXX XXXX, the issuing bank of the cashier 's check, to verify my brother 's name and information, but this alternative was also rejected by Chase. 

Chase 's insistence on only using a phone number registered in my brother 's name is highly suspicious and raises concerns of potential fraudulence. The bank 's failure to explore alternative means of verification, such as contacting XXXX XXXX, is both frustrating and inexplicable. 

I have also lodged a complaint with Chase regarding this issue, and the complaint number is " XXXX. '' I trust that you will find this complaint in your records, and I hope that this information will assist you in addressing this matter more effectively within Chase 's internal complaints system. 

I believe that my rights as a banking customer are being violated, and this situation is in clear contravention of banking laws. The inability to access my own funds, despite having provided all necessary documentation and authorization, is both unreasonable and unjust. I kindly request your assistance in resolving this matter with Chase and ensuring that my rights are upheld, and banking regulations are adhered to. 

I appreciate your prompt attention to this matter, and I look forward to a swift resolution. Please feel free to contact me at XXXX or XXXX for any further information or clarification required. 

Thank you for your assistance in this regard. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation