BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I realized I was defrauded when I did not receive the items I ordered on line for {$59.00}. I tried varies avenues to locate the company but every email I tried was reporting scam, I could not obtain a phone number to contact. I immediately reported to my bank, Chase. They gave me a temporary credit for the {$59.00} until further investigation. On XX/XX/2023 I received a call from XXXX XXXX, Supervisor from Chase Claim Department that they were going to debit my account of {$59.00} because she spoke with the merchant and they said the package was delivered to my home and they provided to her my name and address for proof, so on XX/XX/2023 we are debiting your account of the amount of {$59.00}. XXXX XXXX gave me the USPS Tracking number and said I could verify it myself. I immediately accessed the internet at USPS. com and put in the tracking number and found the information XXXX XXXX said was there was not. The tracking information from the postal service stated a package 8oz was delivered to a Mailbox. There is no address, no name just stating a First Class Package. A first Class package in weight is no more then 3.5 ounces. I ordered ( 2 ) two suitcases. I have been to the Chase Branch in XXXX XXXX XXXX XXXX, XXXX Ca XXXX and spoke with Branch Manager, Ms.Jannett. I submitted a formal statement complaint with a clerk there at the bank along with documents as proof I submitted to her the tracking information, I submitted to her the Police Report Number,. I pointed out to her the information on the tracking that there is no evidence that I received the 2 suitcases I ordered and I am a victim of a scam. But they are treating me like I am the scammer. Organizations like the Bank should have varies classes in educating staff and Management the avenues in these scams without putting more unnecessary stress on there customers who entrust them with our money. The scam is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: AMERICAN EXPRESS COMPANY
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:
American Express sent a letter numerous months ago, After I advised them I was a victim of identity theft, and that I did not open any accounts with their institution. Stating that I am not liable for these account 's and that they would be deleted from the 4 Credit Bureaus they were reporting to. Later 6 Month 's later to be exact American Express re inserts this account, and re reports this account from XXXX   that I NEVER OPENED Nor received, They send a new letter stating that I made payments from both a XXXX XXXX XXXX checking account and a XXXX  checking account. I have not ever had an account with XXXX XXXX  XXXX, Nor XXXX Bank. These two checking accounts were marked fraudulent many years ago and those banks closed those accounts due to identity theft. Again I have never done business with either of those institutions. Nor do I have accounts with either. So not only is American Express creating false accusations, that they don't even have Facts for or knowledge of. They are inserting false information to the credit bureaus and on my credit report showing a card with a {$500.00} Limit " Closed by Credit Grantor '' I do not have an account with them, nor ever had an account with them. As I have stated. Again, The information they have provided saying payments were made from checking accounts and savings accounts that were ultimately closed due to identity theft. I do not have business with neither XXXX nor XXXX XXXX XXXXXXXX. So Again American Express did not conduct their research very well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: ProCollect, Inc.
State: IL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a formal complaint against ProCollect Inc., a debt collection agency, for multiple violations of fair debt collection practices and potential breaches of consumer rights. Despite my diligent efforts to address and resolve the issues directly with ProCollect, I have encountered numerous challenges that necessitate your intervention.

The debt in question, amounting to {$6200.00}, is alleged to be owed to XXXX XXXX XXXX. However, after thorough investigation, I have found that XXXX XXXX XXXX  has no record of my association with them. This discrepancy raises significant doubts about the accuracy and legitimacy of the debt being pursued by ProCollect Inc. 

Furthermore, my attempts to obtain essential information regarding the debt, including the account number and a comprehensive itemization of the current amount owed, have been consistently rebuffed by ProCollect Inc. This lack of transparency impedes my ability to verify the validity of the debt and raises concerns about the company 's compliance with fair debt collection practices. 

In addition to these issues, my interactions with ProCollect Inc. have been marred by unprofessional and intimidating behavior. I have been hung up on during calls on five separate occasions, and I have been subjected to threatening and profane language. Such conduct not only violates ethical standards but also raises questions about ProCollect Inc. 's adherence to legal guidelines governing debt collection.

Moreover, I have become aware of ProCollect Inc. 's notably low XXXX rating, suggesting a potential pattern of questionable practices. There are also allegations of " parked debt, '' a practice that could violate consumer protection laws. These factors underscore the urgency of investigating ProCollect Inc. 's activities and ensuring compliance with relevant regulations.

I am seeking the following actions through this complaint : Removal of erroneous information on my credit profile associated with this alleged debt.

Take appropriate measures to ensure ProCollect Inc. adheres to fair debt collection practices and consumer protection laws. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to bring about a fair and just resolution.

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 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Original Creditor : XXXXXXXX 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 2018-04-26
Company: AES/PHEAA
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: Account status incorrect

Complaint:
The student loan representative promised for there fee of XXXX a month my loan payment would be reduced and no interest for three years would be charged to my account. In addition the consolidation was at 7.5 % which I assumed would start XX/XX/XXXX. At the end of the three years of no interest. My loan was given to XXXX and the representative reported that he was with the student loan company ; NOT ; XXXX XXXX and they indicated they dont use third party companies to get there loans consolidated. 
Soon afterwards, I received a bill from XXXX and XXXX XXXX for XXXX in XX/XX/XXXX. 

I checked to day after making 5 payments to XXXX XXXX XXXX and owe more then I did when I started to pay them. The account is showing and listed as a CREDIT CARD on my credit report and now showing that I am late. 
I never applied for a credit card with this scam company!!! 
The representative stated today ; that a payment in XX/XX/XXXX was not received and they JUST posted that the account is late ; and NOW I owe them {$150.00} in late fees and plus the monthly FEE. 

How is this company still in business with ALL of the negative business practices that they are currently doing. 
Who can I contact for legal advice ; I was in the process of buying a house and my credit score just dropped 30 points today XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit reporting, credit repair services, 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:
My XXXX and XXXX reports recently showed three Hard Inquiries that I didn't authorize. I am requesting that they be removed from my credit immediately. 

XXXX ) XXXX XXXX / Inquiry Date : XXXX XXXX ) Capital One / Inquiry Date : XX/XX/2023 XXXX ) XXXX XXXX / Inquiry Date : XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: ALLIANT CREDIT UNION
State: SC
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:
Alliant federal credit union in XXXX XXXX is reporting an account on my credit consumer report ( XXXX ) XXXXXXXX XXXX and XXXX account # XXXX this account was previously deleted from my consumer reports.This is not my account!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: OH
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 CLIENTS NAME, 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 Experian 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 Experian 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX 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 2019-10-01
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I signed up with a {$100.00} bonus for opening my account with M & T and doing 15 transactions with my debit card. According to correspondence from XXXX from customer service, sent to my online banking secure messaging on XX/XX/XXXX, " if 15 or more qualifying purchases are made with your M & T Debit Card by XX/XX/2919, a {$100.00} Cash Bonus will be credited to the account by XX/XX/2019. '' If these are the terms of the promotion, my account is eligible for a {$100.00} cash bonus. Further in the email. it says that no purchases have posted to my account. I have made over 15 transactions on the account, and they were all made prior to XX/XX/2919.

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 2023-09-18
Company: Optio Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is XXXX XXXX XXXX, I filed for Bankruptcy on XX/XX/2023. 
Im receiving harassment telephone calls from Optio Solutions.

Im requesting this company to cease & stop contacting me about a debt I dont owe. 

Im in pre litigation with XXXX. 

In the court case or arbitration meeting all matters will be resolved and addressed by my attorney. 

An automatic stay has been ordered by the petition filing of my bankruptcy. 

If Optio Solutions continues to contact me I will file harassment charges and a lawsuit against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: OH
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 Equifax 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 Equifax 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 Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: North Shore Agency, LLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from North Shore Agency dated XX/XX/2018 claiming that they were collecting a debt for a creditor, XXXX  ( apparently a magazine ), for {$13.00}. I do not have a subscription to any such magazine and have not purchased anything from that company. Furthermore, through a web search I found that North Shore agency has received many similar complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
on XX/XX/2018 I attempted to purchase a vehicle at XXXX XXXX in North Carolina. The dealership is unable to pull my credit report at that time. On XX/XX/2018 I attempted to set up a product so that I can see what the issue is with my Equifax credit report. I was unable to set up the product online and was instructed to contact customer support of Equifax. I contacted Customer support on XX/XX/2018 and was transferred to XXXX XXXX  first to verify my identification. I was told that there was an extended fraud alert on my credit that would be on there for 7 years. I also was informed that all they had to do was update my file with a phone number and my credit could be pulled. on XX/XX/2018 i noticed the charge for the product and attempted to login to see my credit information, the car dealership called and informed me that they still can not pull my report. I was not able to access my report. I called Equifax Consumer dept again and was told by XXXX who is a floor supervisor that I would not be able to access my report due to a error on the part of Equifax. I would have to wait up to 7 days for a possible resolution. At this time, it is stopping me from purchasing a vehicle. And I am very concerned for my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted CREDIT ACCEPTANCE CORPORATION back in XXXX  to have them remove the incorrect information that's hurting my credit report/score and my ability to obtain a new car loan. And further my credit building progression.

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 2023-06-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I set up auto pay at the beginning of my loan with TD Auto finance in XX/XX/XXXX. 
I called to finalize on XX/XX/XXXX, knowing I only had a few payments left. The representative advised that I had been 30 days late for the entire loan, which amounts to several XXXX XXXX. I never received a phone call from TD, neither did my son, who is the co-signer. I never received an email or a letter. They stated the phone number they had was incorrect for me in their system. It was off by one digit, which if you XXXX my name comes up correctly. Very easy to find me. I have had the same phone number and address for nearly 30 years. They never attempted to call my son. They admit they never sent any correspondence or emails. They have my correct email and address. My payments have been pulled from my checking account every month, so I have no reason to think I was overdue. They did not make any reasonable attempt to contact me. They are not willing to make any concessions at all. I should not be held responsible for their error. I spoke to 5 different people, and was unable to get any resolution. I have excellent credit and regularly check my report. I have never been reported late by TD or anyone else. I most certainly would have corrected the confusion had I known about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-24
Company: Bread Financial Holdings, 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:
XXXX has continuously and falsely verified this alleged account. XXXX  have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board because XXXX is the only one reporting this alleged item.

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt. 

Also the debt collector is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX

Company response to consumer: Closed with non-monetary relief