BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-12
Company: BC SERVICES, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX 's client XXXX XXXX is a victim of ID theft. Her information was used to obtain medical services at various locations. She was contacted by several different collection agencies in reference to attempts to collect debt related to these services. One of these collection offices is BC Services working on behalf of XXXX XXXX. BC Services as well as XXXX XXXX have both been notified of the fraudulent nature of these accounts by way of official disputes sent both certified mail and fax. In providing the official dispute ( s ), address verification of her address at the time the services were obtained was provided showing her address DID NOT match the location for billing that was provided. BC Services failed to provide notification of receipt of dispute and attempted to collect on debt related to fraud AFTER receiving information detailing issues of my client and her ID theft situation. BC Services and XXXX XXXX are in violation of the FDCPA and FCRA.

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 2023-12-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
there are 2hard inquiries on my account from XXXX XXXX XXXX on XX/XX/ and XX/XX/ institution info XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX delaware XXXX ( XXXX ) XXXX ive never been to delaware or even heard of this bank ive filed police report of this as well when tried to call no answer left plenty o messages stil no reply

Company response to consumer: In progress
Consumer complaint received 2016-09-09
Company: JPMORGAN CHASE & CO.
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Dear Sir/ Madam, I am a freelance journalist who worked recently for XXXX in New York . On XXXX XXXX XXXX, XXXX Newspaper erroneously instructed their bank, Chase in New York, to pay {$2500.00} into an XXXX XXXX XXXX account of mine, even though XXXX had been under receivership since XX/XX/XXXX the previous year following a corruption scandal ( additionally, the account been closed in XXXX XXXX, so no longer existed ). 
XXXX has since learned from Chase in New York that the funds first went to XXXX, then to XXXX for further credit to XXXX XXXX. Chase in New York has told us that XXXX now has them, but despite frequent approaches I have received no indication that they will be returned in the near future. 
Could you please advise on whether Chase was negligent in making a transfer to a non-existent account at a blacklisted bank? 
I will try to attach a copy of the wire details - the trace number is XXXX. 
Many thanks in advance for your help. 
Best wishes, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: FL
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:
Credit Agency Re : Incorrect Address on Credit Report To Whom It May Concern : I am writing to dispute an incorrect address that is currently being reported on my XXXX credit report. The address in question is XXXX XXXX XXXX XXXX. XXXX, FL XXXX This address does not belong to me and I have never lived there. I am requesting that you immediately delete this address from my credit report, as it does not accurately reflect my credit history. 

Please investigate this matter and make the necessary corrections to my report. Send me a copy of the amended report once the false information has been removed. I have enclosed a copy of my driver 's license as proof of my current address. 

This is urgent as the incorrect address is creating problems for me. Please process this dispute request within 30 days as required by the Fair Credit Reporting Act. 

Thank you for your cooperation and prompt response.

Company response to consumer: In progress
Consumer complaint received 2021-08-28
Company: JPMORGAN CHASE & CO.
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:
My account was used to fund fraudulent ACH transfers. I have no connection whatsoever to these transfers. The information used was information available on checks. Specifically only the routing number and my checking account number. I never authorized nor had anything to do with these transactions. Moreover the bank did not send me my statements in hard copy as requested. When the fraud was discovered the bank acted as if it was my fault. They were very difficult to speak with and would not even providw me a contact person or an email address to use. They were completely unreasonable and most specifically they would not tell me what security measures were in place protecting my funds. The transactions at issue were more than {$88000.00}. I suspect the bank did not employ the required security measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: GA
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:
This XXXX account associated with account number ID # XXXX XXXX .... was and is paid off completely as per the letter I received from the customer success team at the creditor furnisher in question. Its paid off and should be removed from my report, its verified through this letter. I am writing to formally request the removal of an account from my credit report. The account in question, listed under, Account ID # XXXX, has been paid off in full and is no longer active. I kindly request that you update my credit report accordingly to reflect this change. 
Account Details : Creditor : XXXX XXXX Account Number :, Account ID # XXXX Date of Last Activity : XXXX XXXX Balance : {$0.00} I have attached proof of the account 's full payment, which can be found in the attached documents. Additionally, I have included a copy of the confirmation letter from the creditor acknowledging the account 's paid-off status. 
As per the Fair Credit Reporting Act ( FCRA ), I understand that the credit reporting agencies must maintain accurate and up-to-date information on consumers ' credit reports. Since this account has been paid in full and is no longer active, it should no longer be reported on my credit report. It is essential for my financial well-being that my credit report accurately reflects my current credit status. 
I kindly request that you investigate and verify the information provided, and once verified, remove the account from my credit report as soon as possible. I also request that you provide me with a copy of the revised credit report once this update has been made. 
I appreciate your prompt attention to this matter and your assistance in ensuring the accuracy of my credit report. If you require any further information or documentation, please do not hesitate to contact me at [ XXXX XXXX XXXX  ] or via email at XXXX Thank you for your cooperation and assistance in this matter. I look forward to a swift resolution of this request and the removal of the aforementioned account from my credit report.

Company response to consumer: In progress
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing this with the utmost urgency to draw your attention to a matter of the presence of fraudulent personal information and unauthorized inquiries associated with my identity. Upon a thorough review, I have noticed that certain accounts and transactions have been inaccurately attributed to me, without my consent. This has left me profoundly distressed and deeply concerned. Regrettably, I've become a victim of identity theft, compelling me to take action to report this incident.

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 2016-03-30
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My daughter forged my signature on mortgage loan documents and forged my name with a notary. Now my house is in foreclosure. XXXX XXXX Police Department, California Senator, XXXX XXXX, and California Assembly Woman, XXXX XXXX are all trying to help me. My home is in foreclosure and going to sale on XXXX XXXX, 2016 at XXXX XXXX. 

The XXXX will take another year before they start investigating. 

Please read the attached letter form more details Please stop this foreclosure until the investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A discharge of indebtedness because of a XXXX  or a defined policy of the creditor to discontinue collecti activity and cancel the debt. A creditor 's defined policy can be in writing or an established business practice of the creditor. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy. E in box 6 to report this identifiable event.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account 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 is listed on my credit report. XXXX XXXX XXXX Balance : {$290000.00}

Company response to consumer: In progress
Consumer complaint received 2015-08-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a deposit at an ATM for {$300.00} at XXXX Pacific Time. The deposit was still pending the following day and did not credit to the account. I was charged XXXX overdraft charges of {$34.00} each as a result. I call Chase and they ssid the system on the east coast said the deposit was made at XXXX Eastern Time. My ATM Receipt shows a deposit time of XXXX Pacific Time exactly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I followed an advertisement that Citi had for receiving XXXX to XXXX XXXX XXXX miles. I followed ever thing listed as a requirement. I have included the " Welcome letter '' showing what I had left to complete the requirements. I completed those requirements. Both parties agree that I fulfilled the steps required to receive the miles. The disagreement comes about the initial requirements. They say I did not complete the initial requirements necessary. They stated that I deposited the fund int o the wrong type of account to begin with. I told them that I did and that they even sent an Email welcoming me. 

If I received a welcoming letter... Then what did I do wrong?? They had no answer and that is the last I heard from them.

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 2016-05-10
Company: Nelnet, Inc.
State: ME
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
My student loan had been discharged XXXX/XXXX/2010. Nelnet claims I did not contact that last year and so without warning since XX/XX/XXXX they have been taking {$150.00} from my XXXX check which I am barely living on. Said I have to re-apply. I did and have also shown proof of emails where I have tried to contact them in past XXXX yrs. I sent everything they needed in the packet. I have called several times each time they have my wrong address. Each time I give them the correct one, although the mail gets to the right address. I have XXXX of which I have been working very had to stay off XXXX medications but these people keep sending letters saying I forgot this and that when I have copies of everything I sent them. I volunteer at XXXX XXXX XXXX and they helping me but I just got another letter from them saying they ca n't process till they have section XXXX from the Doctor which was sent in the packet. I called and it is because the doctor did not write XXXX , he wrote XXXX . This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: General Motors Financial Company, 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:
Hello XXXXXXXX XXXX XXXX, Gm financial XXXX XXXX XXXX XXXX got my credit report when it was unauthorized on XX/XX/XXXX XXXX XXXX  none of these companies have any information about me so how is it on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase mortgage offered us an attempt to receive a modification or repayment plan last year in XXXX. If we were to be denied the modification they would foreclose on our mortgage. Chase had already denied us XXXX attempts for modification therefore we chose the repayment plan. We were instructed not to give any payment until XXXX of XXXX ( amount of {$320.00} ) and continue with XXXX payments of {$1100.00} ending on XXXX of XXXX. During the whole plan they would place our payment in suspense for a month each month. Then when we gave our last payment on XXXX XXXX, XXXX they called us to inform us our payment was for XXXX, XXXX and that we were late a payment. Chase also indicated that they had {$380.00} in suspense after we gave the last payment because we did not pay enough to cover the XXXX payment. Our repayment agreement states that once we gave all the payments ending on XXXX of XXXX we would be current. We fully understand that we had an escrow shortage for the year ending in XXXX and our payment increased beginning in XXXX for monies owing of {$130.00} ( {$43.00} times XXXX ) which is for XXXX payment amount differences. In XXXX they paid our house insurance which is after the escrow analysis in XXXX of XXXX and they are asking for that SHORTAGE amount now not until XXXX, XXXX as should be. Our payment was already increased for shortages for last year as explained above. They are stating that our payment was not enough to cover our payment because the increase of the insurance. Usually the shortage for this year is collected the following year or you are given a choice to make up the difference for your payment not to increase. The biggest complaint is that according to Chase we have not made the XXXX payment and we have paid every payment as asked for other than the new payment difference to cover the escrow payment difference for LAST YEAR. The manner of showing a payment not given to cover following year 's shortage does not seem to be as in our original mortgage loan documents to be collected the following year and addressing the shortage as a late payment does not seem to be right. We fully understand the shortage has to be paid we just never have seen it collected as a late payment unless the payment was assessed in XXXX which it had not because the shortage is for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
On XX/XX/XXXX, we went to XXXX Hynundai to see the XXXX XXXX XXXX. We had been leasing a XXXX model from them and it was up in XXXX of XXXX. We were talked into taking advantage of the year end lease incentives by turning the XXXX model in early and getting into the new lease. The dealership said they would make the 2 remaining payments, which is common practice. So we took advantage and leased the new vehicle .In XX/XX/XXXX, we received a letter and bill stating that we owed lease payments on the XXXX model for a total of XXXX. I immediately contacted the dealership, spoke to the Finance Dept who told us they would take care of it. I received no further communication from Hyundai so I assumed it was handled In XX/XX/XXXX, I received a credit report update that showed our credit score had been reduced by XXXX points specifically because of the " non payment of the lease payments '' I contacted Hyundai Finance corporate and spoke to a " XXXX XXXX '' at XXXX XXXX in NJ. 
He looked into it and told me he couldn't understand why this was happening since he showed that they had received the 2 payments from XXXX Hyundai. He needed to consult with upper mgmt and asked me to call him next week. When I tried to reach him,, I was unable to and the Hyundai finance person I did reach refused to talk to me saying it was in the hands of the collection agency so call them. 
I did and even though I sent them documentation from the the dealership showing there was nothing else owed, they claim we still owe {$370.00}. XXXX XXXX said he showed 2 payments from the dealership ( one for {$400.00} and one for {$370.00} ), so why do we still owe? 
He said the first one was received on XX/XX/XXXX and the copy of the check Hyundai gave me is dated XX/XX/XXXX. So where does another payment come from? 
XXXX XXXX sent all the documentation to Hyundai Motor Finance but they still claim we owe the {$370.00}. XXXX thinks it is possible that Hyundai, misapplied the one payment to the new lease, and we would still have to pay the {$370.00} but it would probably come off the end of the new lease. Not Acceptable. We don't have a lot of money and like many people now are struggling during this pandemic. 
Appreciate any assistance you can give with this..

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
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.

has violated my rights. Or a 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 2021-12-08
Company: DISCOVER BANK
State: MI
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 have never prior to last month submitted a complaint to the CFPB asking for Discover Card to finally response to my many written requests for a credit limit increase. The CFPB has proof of this. 
Discover Card fraudulently responded, that they have already addressed this, when they did not, and they could not. It is impossible to address something before it occurs, absent time travel. 
The CFPB has access to Discover Cards enraging wicked, prior responses, which prove that Discover Card has never addressed a credit limit increase before, and that their claiming otherwise is completely fraudulent. 
Discover Card is fully aware that I do not have, ( nor want ), their app, nor do I have a phone to download their app to. Discover Card continues to discriminate against me for not having a phone. Not having a phone is legal, discrimination is not. 
Discover Card has no legal basis to refuse to communicate with me in writing, let alone repeatedly. 
But Discover Cards refusing to communicate in writing is a huge red flag, which speaks volumes about their complete and repeated, lack of integrity. 
First rule of business, get it in writing. 
Second rule, anyone who will not put it in writing, is deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: Arnold Scott Harris, P.C.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX I received a letter in the mail from Arnold Scott Harris, P.C in an attempt to collect a debt I allegedly owe to the Illinois Tollway ( I do not owe this debt ) On XXXX XXXX, my credit card was charged in the amount of {$170.00} by XXXX XXXX, I did not authorize this transaction, I 've never had a conversation with this firm, I did not give them my credit card information, which is alarming because I do not know how they got this information. I called to inquire and she told me to fax my credit card statement to show the transaction and make sure the credit card number is on it so she can investigate ( I of course did not do that )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation