BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-26
Company: JPMORGAN CHASE & CO.
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:
To Whom It May Concern : I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account with Account Number XXXX. I am not responsible for any charges made to this account. 

Enclosed are copies of of my police report ID numbers from XXXX XXXX Police Department supporting my position. I've tried disputing with XXXX, XXXX, and XXXX. The credo bureaus remove it, however Chase Bank continues to report this fraudulent account unto my report.Therefore, I was advised from a staff member at XXXX to deal with the creditors individually to prevent further confusion. Please have them close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account. 

I've requested for Chase Bank to send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me. Up to this point, I've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ). 

In addition to support my case, please review the past complaints I've submitted with the bureaus. They continue to say the account is mine but it does not belong to me. They have also not conformed with the Fair Credit Reporting Act. CFPB please review complaint ID numbers : Chase CFPB Complaint : XXXX Credit Bureaus Complaint ID : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26
Company: Navient Solutions, LLC.
State: MO
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:
In XX/XX/XXXX I had a loan with XXXX XXXX to pay my son 's XXXX XXXX XXXX tutoring. I was a co-borrower and the borrower has past away. I have tried to make payments and the balance never goes down. In XX/XX/XXXX the balance was still over 8000 on a XXXX loan. I feel that this is invalid and I am being scammed by Navient/XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: The Bureaus, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After closing an account with XXXX XXXX and sending in final payment. The account was sold for a balance that does not exist. I am being harassed day in and day out by this debt collection company for a debt purchased that was already settled in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A monthly check we wrote to myXX/XX/XXXX mom 's XXXX XX/XX/XXXX for {$7700.00} was stolen, forged an endorsement and cashed. I made an official complaint to my bank ( XXXX ), and they confirmed on XX/XX/XXXX. As requested by them, I the filed an affidavit from the XXXXXX/XX/XXXX saying that they never received the check and it wasn't their endorsement. XXXX sent me a letter on XX/XX/XXXX saying that the responsibility is not theirs but the bank that cashed the check. XXXX said they contacted that bank. It has been five months since I filed the complaint with XXXX and they say they are still awaiting hearing from the other bank. In the meanwhile my mom is out {$7700.00}!!! 

I complained to you about XXXX and their response if that it is the responsibility of the bank that cashed the check - Bank of America. They say that BofA takes 90 to 120 days to reply. My complaint was filed with chase on XX/XX/XXXX - that is over five months ago! And I have no way to reach out to BofA because I have no relationship to them. XXXX is in the middle and keeps saying that it isn't their problem. 

How do I get BofA to respond to 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 monetary relief
Consumer complaint received 2017-11-16
Company: TRANSWORLD SYSTEMS INC
State: MD
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 disputed a collection with XXXX several times in the past year. The collection agency is Transworld systems Inc. 
XXXX XXXX XXXX XXXX, DE. XXXX I have disputed this debt with XXXX several times in the last few years. Every times it comes back as verified by XXXX. I have contacted the collection agency several time over the past few years as well, every time they say that they have not received the validation or verification of their debt from the original creditor XXXX XXXX XXXX. I contacted the original creditor and they have stated that they have no information regarding this debt and are not able to produce the necessary paperwork. 

I have informed Both XXXX and Transworld Systems Inc. That if this information is not able to be verified by the collection agency and the credit bureaus that it should be deleted from my account and that if it is to be verified and validated that I would be willing to take take of the matter ASAP. 

This negative information is hurting my credit worthiness and I have been trying to resolve this issue for to long of a period for it to not have been verified, validated, and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: EQUIFAX, 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:
I went look at my credit and there are still somethings on there that are not mine. I'm trying to get back in school and this is really holding me up. I saw on some billboard in my building from this attorney guy that you guys can help finally resolve this. I have reached out to the police in my city and the FTC. Im also doing this on my own behalf. XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX XXXX XXXX and there is another account as well that does not have a name. The account- # XXXX. There are o.lso some inquiries that are not mine XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: EQUIFAX, 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:
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX, XXXX XXXX XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Dismissed XXXX, Chapter XXXX Bankruptcy Dismissed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on or about XX/XX/XXXX I received a letter from CBE group indicating that I owe {$15000.00} to the current creditor listed as XXXX XXXX. ( original creditor XXXX XXXX XXXX ) debt was incurred between the years of XXXX and XXXX. 
original account number : XXXX CS number : XXXX the letter states that unless I dispute all or part of the amount the creditor will assume the debt to be valid. the letter also states that upon written request the office will provide verification of the debt or forward a copy of judgement. 
on or aboutXX/XX/XXXX I contacted CBE group and spoke to a CSR before requesting to be transferred to a supervisor. I informed a Mr. XXXX XXXX that I would be requesting written verrification as outlined in the letter AND filing complaints with all appropriate organizations. 
on or aboutXX/XX/XXXX I submitted a request for written verification. 
on or about XX/XX/XXXX I called CBE Group to request status. I was informed that the case was returned to XXXX XXXX and no futher action would be taken CONTRARY TO STATEMENTS in the letter received on XX/XX/XXXX. I was referred to XXXX XXXX 
XX/XX/XXXX I spoke to XXXX XXXX re : the above and was referred to CBE Group. 
XX/XX/XXXX ANOTHER call to CBE Group and I am informed that the case was returned to XXXX XXXX. 
as of XX/XX/XXXX I have received nothing further. 
I was never a customer of XXXX XXXX XXXX until XXXX purchased XXXX  XXXX. I am still a XXXX customer and there are no outstanding issues with my account. 
a search of the XXXX XXXX XXXX files for XXXX XXXX indicates that this scam has been perpetrated on others.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Perfection Collection
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my second complaint to this company, this is not my debt it is identity fraud. I asked for proof in my last report from perfection collection and I'll ask again please send all documentation with my name and signature showing I knew or was aware of the debt and he 3 times you spoke with me. besides the ONE time I called this company. They have never reached out me via phone email or mail EVER! They did attach a paper with my name Ss # with a co application XXXX XXXX please send me proof with my signature that I signed and authorized this. I am not willing to pay someone else 's debt and paying half of XXXX when the original debt is XXXX isn't working for me. Send me more info than the image I attached hat u originally sent Or I'm reporting you to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Experian Information Solutions Inc.
State: PA
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:
I filed a dispute with Experian in reference to a XXXX account showing a past due balance of XXXX . The account was part of a bankruptcy discharged in 2016. Experian responded saying the information was reporting correctly. I reached out to XXXX who acknowledged the XXXX $ was part of a bankruptcy and discharged. I was bounced around various department for an hour or so. They ended up telling me it was the fault of Experian. Experian says its the reporting of XXXX. The account was under a bankruptcy and is being reported as currently past due by 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 2018-01-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been on XXXX since X/X/2017. When I called Navient to let them know, they extended my forbearance, which I recently learned was part of their deceptive practices. I believe they should have encouraged me to get an income based repayment plan or some other better option for my situation. My student loans are now {$260000.00} I dropped out of law school in my 2nd year and dont even have my degree. I cant even keep up with the interest!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I received and signed my CARES ACT forbearance agreement. 
We agreed on moving our 18 deferred payments ( option XXXX ) to the end of the loan with no lump sum payment. 
On XX/XX/XXXX I received a bill for {$26000.00} dollars from FREEDOM MORTGAGE then they filed with Credit companies that I was late. 
I documented all conversations with them. We were also required to submit a new username password at the beginning of XX/XX/XXXX. After following instructions we have been unable to get access to our account ... ... including past communications. 
I talked to their IT department and I was told the situation had to be escalated to the next department and it would be two weeks then they would call back. That was over two weeks ago.

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 2018-01-26
Company: JPMORGAN CHASE & CO.
State: CA
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 am a long time holder of a Chase XXXX card ending in XXXX. I was required to get a new card. My credit limit was basically cut in half. I got shuffled around the call centers and finally got a supervisor XXXX. It should be noted the new card and bills had been sent to the wrong address. XXXX who stated she did a " review ''. XXXX stated she would close the card because of reports on charge offs and some items that were supposedly charged off on my card. I stated that when customer service had told me of a past due balance on my XXXX. I paid it immediately by my checking account over the phone. That I was part of a special program that was working with my creditors to settle and pay my debt. I asked to speak to another supervisor to reverse the decision and reopen my XXXX card ending in XXXX. Several days later a XXXX  who identified himself as a supervisor from Chase credit. He belittled me over the fact that I was using negotiators to settle my debt and the XXXX card would remain closed. As a point of two facts, one some of the credit card companies had contacted me some time ago to settle the credit cards. Why was ok for the credit card companies to negotiate settlements and not me. Second fact is that settlement of debt is legitimate and is an alternative used by many professionals, business people and even companies themselves. I was treated by XXXX and XXXX as a mere line item on a credit score. I am human and a business person, my credit has not always be perfect. However I proactively took steps to eliminate my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I noticed an unauthorized money transfer on my bank statement from my Coinbase account. I logged on to verify and then contacted Coinbase on XX/XX/XXXX. They disabled my account while they investigated, I received an email on XX/XX/XXXX asking for follow up questions ( Case # XXXX ). Another on the same day saying that my request has been elevated. On XX/XX/XXXX, I received an automated notification that the case had been resolved and closed. I tried to login to my account but it was still disabled. I contacted Coinbase for help. After repeatedly trying to reach them on the customer service line and being disconnected, I submitted a new Case # XXXX- Disabled Account on XXXX. 
On XX/XX/XXXX, I received an email Case # XXXX stating that having investigated the issue, I am working with a specialist to address it properly. I was told I would get a follow-up with an update. The same email came again on XX/XX/XXXX. XX/XX/XXXX, I received an automated email with a different case number ( XXXX ) thanking me for contacting Coinbase and notifying me that they closed my case. I phoned and asked when I would have access to my account and was told that XX/XX/XXXX I would have access to my account. My account is still disabled. I have tried to call..I have tweeted..I left a callback number and was called back, I was asked to log in to XXXX by the support person, I did and then he disconnected me and never called back. I found a XXXX phone number for Coinbase I spoke to someone named XXXX XXXX, he told me that the only resolution was to close my account and the funds would be returned to my checking account but then began a XXXX message asking what other cryptocurrency accounts I have and requesting I send XXXX BTC to this account XXXX before XXXX XXXX tomorrow to have my funds credited to my bank account. He also told me the current amount in my account which I couldnt verify because I dont have access. I have all emails and screenshots of conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
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:
I notice that my credit report was ran without my consent on XXXX by XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report.

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 2018-01-26
Company: Experian Information Solutions Inc.
State: UT
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 submitted documentation to the credit bureaus on an old account that I did not remove. I am XXXX XXXX XXXX and it looks like I have barely had any credit at all. 

The Credit Union also contacted the credit bureaus and nothing has been done since XXXX! 

I requested that it be resubmitted asap to no avail

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 2018-01-26
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission. Also, I sent a debt validation letter to them and they have not sent a valid response. They should be shut down. They are taking advantage of XXXX XXXX like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to few a home but XXXX XXXX XXXX is making impossible by reporting misleading and inaccurate information or my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Experian Information Solutions 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 ; Experian and XXXX are reporting incorrectly a collection in the amount of {$7400.00} on the XXXX partial account number XXXX. ( Please see page 24 of the attached credit report. ) The original amount owed was {$2000.00}. I have tried to make a payment plan on what I owe however, I have still not been provided with any itemization and/or any documentation as to what the additional {$5400.00} is for. This false reporting is harming my credit score.

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 2022-08-12
Company: EQUIFAX, INC.
State: OH
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 following are in violation of personal consumer rights : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First, 15 U.S.C 1681 Section 602 A : guarantees a right to privacy.

Second, 15 U.S.C 1681 Section 604 A, Section 2 : Does not allow a consumer reporting agency to report account information ( without permission ).

Moreover, to correct credit reporting agency records, in the removal of inaccurate and non-updated information, eleven such requests were made to XXXX and Equifax. However, with less than a three-day response, these credit reporting agencies claim to have completed a due-diligent investigative effort. In the interim, XXXX and Equifax continue to furnish and display unsubstantiated account details -- without permission. 

Furthermore, XXXX continues to list ( as primary ) an incorrect version of my legal name. Additionally, to allow for legal dispute, the credit reporting agencies fail to identify complete ( and accurate ) account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CURO Intermediate Holdings
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Due to the TEXAS lemon law they can only report the payments I paid. I paid all my payments on time. When the car broke down, the car can not be fixed. They can not continue to charge me or report me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I previous reported this company for coming after me for this debt that is not owed and to give this company a 15 US Code 1692e ( 3 )

Company response to consumer: Closed with explanation