BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is over 7 years old, this account is also a fraudulent account, I sent letter several times no response I contacted the credit still nothing has been done. 
JPMCB CARD ACCOUNT XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: VA
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 is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I received loan number XXXX from XXXX for approximately XXXX XXXX dollars. I did default on this payment due to being laid off, and the account was sold to collections. 

Now, National Credit Adjusters holds the debt, but has falsified information stating that the debt originated in XXXX of XXXX, which is just a blatant lie. I have already reported the inaccurate information to the credit reporting agencies, but they say National Credit Adjusters was able to provide satisfactory evidence that it was opened in XXXX. As I have already verified the loan information with XXXX, the only way NCA would be able to provide adequate evidence that the loan was opened in XXXX would be if they falsified it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XXXX, XXXX, I placed a complaint about this Debt Collectors company, RESURGENT CAPITAL SERVICES L.P., located in XXXX, SC XXXX XXXX XXXX XXXX, phone XXXX XXXX XXXX XXXX. At that time, they were harassing me, in less than a month they sent me five notifications about an old credit card debt from the year XXXX for {$18000.00}, using confusing language that overshadows and contradicts information. 

I respondedto all five notificationsas they arrived because they keptthreateningme that if I don't respond to dispute this debt in 30 days, they'll obtain a copy of judgment. In order for me to respond to them, I had to expose myself ( I'm XXXX XXXX XXXX ) and others to this deadly Coronavirus COVID-19, every timeI had to go to print the response letters, and to the Post Officeto mail them.In all my responses I've disputed this debt and I've asked them to stop contacting me, at least they want to pursue this matter in court, but they haverefused to do it bycontinuing to send me more notifications. Also, I haveverified that the Statute of Limitations for enforcing this type of debt through the courts in Texas has expired ( I have mentioned all of this information on my previous complaint ). 

On XX/XX/XXXX, RESURGENT CAPITAL SERVICES L.P. responded to my complaint to theConsumer Financial Protection Bureau ( CFPB ), citing on their 2nd page that : " Our records indicate that XXXX XXXX XXXX submitted a notice requesting that we cease communication with them to this office on XX/XX/XXXX. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that our office initiates no further contact to the customer, except to respond to specific requests received from the customer. Please be advised that the cease and desist notifications received also states that XXXX XXXX XXXX disputes the validity of the debt. '' ( response attached ) I HAVE NOT askedRESURGENT CAPITAL SERVICES L.P. to respond to any specific requests since my lastcease and desist request on XX/XX/XXXX. 

On XX/XX/XXXX, once again, they've sent me another notificationusing the same old confusing language that overshadows and contradicts information as the five previousones before I placed mycomplaint on XX/XX/XXXX ( picture attached ). 

All six notices are coming from the same XXXX XXXX XXXX, XXXX MI XXXX And the same Correspondence Department XXXX XXXX XXXX, XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : Requesting a Method of Validation Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

Collection Agency : XXXX XXXX XXXX ( XXXX ) Account Number ( XXXX ) : A : ) XXXX B : ) XXXX I am certain that the item I disputed is incorrect and should be removed, so l am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute.

I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

Please provide the following : 1. Validation of the debt -- that is, the actual accounting.

2. Verification of a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by " certified mail ' so that there is an independent " witness to it having been delivered. '' I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 


Very Respectfully, 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 2020-07-21
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-07-21
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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home in XXXX with PMI payments. At time of refiance the appraised value was {$300000.00}, loan amount of {$250000.00} ; current outstanding balance is {$220000.00}. I spoke with representative from NewRez Finance who is handling my mortgage to remove my PMI. I was told that I could not remove my PMI unless I refinanced with 20 % down payment and less than 80 % ltv. 

He stated that after XXXX, the law changed. I would have had to put down 20 % and be below 80 %. Otherwise, I am stuck with paying PMI until I refi with 20 % down and less than 80 % .Therefore, I can not remove PMI for the duration of my mortgage. 

How can this be possible? Please advise

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I received a call from Bank of America ( XXXX -- which is an actual Bank of America number if you call it ) alerting me about fraudulent activity on my account. The callers knew the status of my account, they knew my transactions, they knew the names of people mentioned in the XXXX transfer area of online banking. I had every reason to believe they were from Bank of America, as they claimed. They asked me to confirm through text message ( from the usual Bank of America text confirmation number ) that I was disputing this fraud ; however, what they did caused {$6500.00} to be transferred out of my account, through XXXX. I did NOT authorize ANY XXXX transactions in XXXX XXXX XXXX and I did NOT authorize the transfer of {$6500.00} to anyone. I need that money back.

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 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
he credit reporting agencies stated that these accounts were properly investigated and came back as verified. However how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps the agencies took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification - Description of reinvestigation procedure

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 2021-07-18
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ALLY FINANCIAL is reporting a negative account with a balance that does not belong to me on my XXXX  Credit Report. They are intentionally violating my consumer rights by continuing to report this account under my name while they were informed it does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Account has been locked for a week which started XX/XX/21. I have called fraud protection every day since and have not gotten feedback or a resolution to the problem. Every representative has stated that my account will be resolved in 24- 48 hours but it has been a total of 8 days and i am still uninformed to the problem and there still has been no 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 2021-07-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I disputed a charge for {$72.00} because I was not given back my deposit I put down for a loaner car. My car was ready to be picked up on a Saturday and this dealership closes at XXXX on saturdays and I was working and unable to go at that time and they are closed on sundays, which means the only day I could return the car was on Monday and I shouldnt be charged for that and the service manager at XXXX said I wouldnt be. Chase obviously did not agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I can't get this credit card company to SIMPLY send me my billing statement by regular united states postal service mail. I can't pay the balance without the statement.

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 2020-07-21
Company: AXOS FINANCIAL, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In the 3+ years we've been with Axos bank XXXX they've randomly closed our debit cards, sometimes all of that at the same time, at least over a half dozen times. No explanation is ever given. The debit cards on are different accounts, and yet they still often cancel all cards. Their notes say we authorized to do that, yet we've NEVER authorized such action, and they refuse to give any information on who or when it was authorized. They also have sent replacement cards to wrong addresses, but won't tell us which address they used. The ones that have been sent to the correct address only show up sometime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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 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 non-monetary relief
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is one of several attempts I've made to inform credit bureaus that I've been the victim of identity theft and that I want to check certain entries in my files that the fraud has left behind. The documents I'm looking at have nothing to do with any purchases of products or services or financial transactions that I've made or approved. Please erase from my credit report any information that was allegedly obtained by fraud or extortion, assuming no one is looking. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/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 2019-07-16
Company: Experian Information Solutions Inc.
State: FL
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2020. They have fail to comply within the 30 day statute of limitations.

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 2020-07-21
Company: Experian Information Solutions Inc.
State: GA
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 had an account on my report by the name of XXXX XXXX XXXX. The account was bought out by XXXX XXXX XXXX. XXXX sent me a letter saying they have closed the file and terminated collection action which means the entire account should have been removed from my credit report. XXXX no longer shows on my report, but XXXX does. If XXXX bought out the account and removed it, the entire account should have been removed. I have sent them 2 separate certified letters on XX/XX/2020 and XX/XX/2020 and disputed this item multiple times with no resolution. They will never send me proof of my signature on the account or any type of verifiable proof like I requested in my dispute. All they keep saying is the account is updated and the account looks exactly the same. I have also received a letter from XXXX also stating they are no longer servicing action on the account.

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