BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-19
Company: Lockhart, Morris & Montgomery Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have 3 collections accounts being reported to my bureau : Lockhart Morris and Mont XXXX  XXXX XXXX XX/XX/2020 XXXX Lockhart Morris and Mont XXXX  XXXX XXXX XX/XX/2020 XXXX Lockhart Morris and Mont XXXX XXXX XXXX XX/XX/2020 XXXX I have asked numerous times for validation of debt and proof this is owed by me, as I believe it is an error. I have yet to receive any information- each time I dispute thru the bureau 's the debt is transferred to a different company with still no validation of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I visited Chase Bank ( branch XXXX XXXXXXXX XXXX, NY ) to create a cashier 's check of {$20000.00} from our personal checking account. This check was to be used for an earnest money deposit and was time sensitive. 
Chase issued a check, but instead of being issued from our personal checking account, it was noted as being issued from my business. This was not acceptable for the purpose of the deposit. 
Chase took the check and tried to reverse this to create the check under my name. They made a mistake in the system and, after several hours, could not return the money. They agree it is their mistake but that it's out of their control. 
They have informed me that I should have access to the money in the coming days, but this isn't an acceptable solution when we are legally required to provide this check in a time-sensitive manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
While travelling in XXXX on XX/XX/2022 I received a notification from the Citi app on my phone alerting me of potential fraud. The card in question was not on my person in XXXX -- I had left it at home because I never use it. 

There were 4 charges at 4 different vendors in XXXX and XXXX XXXX, Oregon. XXXX  XXXX for {$36.00}, XXXX XXXX for {$39.00}, XXXX & XXXX for {$82.00}, and XXXX XXXX for {$180.00}. 

I marked the charges as fraudulent and cancelled the card. I also called a friend to go to my apartment in XXXX and check that my apartment hadn't been broken into and the card stolen. There was no break in. 

Weeks later I saw that the charges still had not been refunded and that an investigation was still underway. On XX/XX/XXXX I called Citi to reach the fraud department. I was asked questions about what had happened and I explained the above situation to them. On XX/XX/XXXX I received a letter in the mail marked XX/XX/XXXX from Citi stating that they did not consider the charges to be fraudulent and that I was now liable for {$340.00}, and threatening that if I am past due that they may report my account to credit collectors. I have had this card open for years and have never even been late on a payment.

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 monetary relief
Consumer complaint received 2018-11-16
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Good Morning!! I spoke with the manager in XXXX, MS by the name of XXXX!! He was so rude to me lastnight he stated I was irresponsible and made the statement " to not come crying to him later ''. I felt so awful after speaking with him I work in financing and I know that is not the way you handle customers. I tried to explain to him the reason why I was 2 mths behind he demanded me to listen and kept getting louder by the minute. I do understand that I owe the bill and I plan on getting it paid and caught up. My husband has been off work and im the only one working with XXXX kids. XXXX was one rude individual to me lastnight.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 
The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA 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 2023-06-01
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
This XXXX XXXX XXXX ( XXXX ) Original creditor XXXX account is showing as still open on my credit report as unpaid. I have spoken with the company at least two or three times. I was told it would be updated paid and removed. When I go onto the website it keeps showing payment processing, yet the money was removed from my account the same day.

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 2020-11-07
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: Information belongs to someone else

Complaint:
Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 



XXXX {$1800.00} XXXX {$2700.00} XXXX XXXX {$330.00} XXXX {$1800.00} XXXX {$1000.00} XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX {$1600.00} XXXX {$1200.00} XXXX {$730.00} XXXX {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX {$1400.00}

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 explanation
Consumer complaint received 2023-01-17
Company: Sequium Asset Solutions, LLC
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have two different companies trying to collect the same debts that I supposedly owe. The first company, Sequium, contacted me via email on XX/XX/XXXX, and failed the validate the debt when I requested it. They emailed me again today, XX/XX/XXXX, with a settlement amount for a debt that still hasnt been validated. The second company, XXXX XXXX XXXX, randomly sent me an email on XX/XX/XXXX for the same supposed debt, has never contacted me before, provided zero information about said debt, and did not include any information on my rights to dispute said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: NV
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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM A SEPARTED INDIVIDUAL RESIDING ALONE WITH MY XXXX  PARENT AND IN XXXX  I REVIEWED MY CREDIT REPORT ONLINE TO CHECK MY CREDIT SCORES AND FOUND THAT THERE IS AN UNKNOWN JOINT ACCOUNT THAT WAS OPENED THAT I KNOW NOTHING ABOUT AND UNDER SECTION 609(e); I HAVE NOT AUTHORIZED XXXX  THE ORIGINAL CREDITOR TO ACCESS MY CREDIT REPORT FOR THE PROCESS OF A PROPERTY LEASE APPLICATION.  THIS ACCOUNT WAS OPENED 
UNLAWFULLY AND HE USE OF MY PERSONAL DETAILS WAS DONE SO NEGECTFULLY BY THIS COMPANY, THEREFORE, MY REQUEST IS FOR FULL VALIDATION INCLUDING WET SIGNATURE, AND THE INFORMATION USED TO QUALIFY THIS ACCOUNT, AND I REQUEST THAT THIS ACCOUNT BE BLOCKED FROM REPORTING FRAUDULENT ACCOUNT UNDER SECTION 60B OF THE FCRA WAS SENT VIA USPS DELIVERY CERTIFICA TION,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: AES/PHEAA
State: WA
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:
Hello! I am still struggling with XXXX  XXXX. this is in reference to an earlier case as well. XXXX  XXXX  XXXX  struggles to accurately track payments towards PLSF and upon certifying payments frequently changes they payments to count towards PLSF.

At one point, they did send me a letter stating they would credit me 23 payments ( great! ) based on earlier struggles and the difficulties I had  experienced, but this has not happened. I have a copy of the letter. Though on 10 year standard repayment, no payments since XXXX have been added to my account. documentation available. At the time of selecting the 10 year standard plan in XX/XX/XXXX, I was told it would count towards PLSF without the fluctuating payments and need to re-certify each year. I selected this payment as it would eliminate the 1-2 month delay in payments each year while they calculated my payment options, and the small difference in payments on XXXX did not warrant the delay. This option was available as a option to choose on the web site at that time, though it no longer can be found ( and no one notified me if this is true ). When you re-certify each year, they is a delay in payments and I wished to finish paying my loans as quickly as possible. Additionally, in XX/XX/XXXX, I had 85 payments ( I have documentation ). Yet in XXXX I had 75 ( documation available ) I currently have 76 payments, in spite of making 11 payments that were not counted and the indication 23 payments would be added to my account by XXXX towards PLSF. I believe I should have 119 payments. XXXX believes I have 76 payments, and need to make 44 more, and MAYBE could then apply to PLSF ; though one advised this would ONLY count if I now switched to a different payment plan such as REPAYE, but this MIGHT not count as all the payments would not be REPAYE. 

I am extremely frustrated as I am genuinely attempting to make 120 on time payments within a predictable payment plan- and seem to move either backwards or hold still. though maybe this is the intent : for me to make payments forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I faxed documents to XXXX and am writing because my credit report is not accurate, I have attached my birth certificate, ssn, and a recent police report number from a incident in which I was almost killed, but thankfully Im still alive. Your records have revealed to companies Im deceased and this is untrue. 
Under Missouri state law I am also entitled to one free report a year if you are unemployed and plan to look for a job within 60 days, you are on welfare, or your report is inaccurate because of fraud. I have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data. 
As you are aware I have made numerous attempts to get you to correct my credit report. Your records stating Im deceased  has caused a delay in income tax services, among other things and has harmed me severely financially.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to have the fraud alert removed from my transunion account. I have sent the request through the mail and I am also uploading it here in hopes Transunion actually receives it.

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 2023-01-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Ive been a victim of a scam. I saw an ad for an apartment on XXXX marketplace which has been reliable in the past. But I applied for the apartment the landlord said I had to pay first months rent and security deposit prior to seeing the apartment. So I did and then he has me wait a week then says I have to pay second months rent before seeing it as well.

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 2022-05-26
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 accordance with the Fair Credit Reporting Act, XXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXX, and XXXX  XXXX XXXX Account Number : XXXX, have violated my rights as a consumer. 

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.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights . Or list of inquiries 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 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 than records of convictions of crimes which antedates the report by more than 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 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 2022-05-26
Company: Credit Karma, LLC
State: PR
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:
Dear Representative, The Credit Karma company announced a credit card on its webpage, indicating that requesting it through his webpage would not affect the applicant 's credit score. I applied for the credit card on that webpage and the credit bureaus lowered my score because of this inquiry. It turns out then that what Credit Karma alleges on its website is a fraudulent advertisement that should be punished by regulatory agencies. I am planning to purchase a property and this change in my credit score could negatively affect my ability to obtain the loan necessary to obtain the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Receivables Management Partners, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receivable Management Partners, LLC, attempted an unsolicited telephone call to my mother to collect a debt that they reported I owe, which does not exist. They said the debt was from an insurance company and medical company that we do not have affiliation with. I could not obtain solid information on what companies those were. The debt collector was purposefully mumbling their company title, so I XXXX  the phone number and many reports came up that their company commits this type of fraud repeatedly.

Company response to consumer: Closed with explanation