BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FM XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX & A, XXXX XX/XX/XXXX XXXX & A, XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-07-13
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 status incorrect

Complaint:
U.S. Dept of Ed- Is reporting to XXXX  and Experian inaccurately with a {$3300.00} balance. This account is closed, and there is no balance owed.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: GA
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:
I didnt open theses accounts..!!

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 2023-06-27
Company: Experian Information Solutions Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
I sent my dispute XX/XX/XXXX and have yet to receive an update in over 30 days. Consumer-reporting agencies must correct or delete information that is inaccurate, incomplete or unverifiable within 30 days. 
The items in question to be removed are : 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 Credit Card with account # XXXX Should also be deleted : Public Record from a XXXX XXXX Bankruptcy on 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 2023-10-11
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 Experian credit bureau 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 listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$1800.00}

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 2022-09-07
Company: ENCORE CAPITAL GROUP INC.
State: SC
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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
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:
The unauthorized inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be verifed ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

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 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 2022-09-07
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Electronic payments initiated by my bank were rejected and then a fraudulent late fee was applied. I have bee making payments by the same method for years and this has now happened for the past 2 months. My account is reflected as past due and I've never had a past due payment in my life. This will impact my credit score. When I call Comenity Bank to complain, I am on hold for hours and never get anyone to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
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:
Information on my report do not belongs to me. Please remove

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 2019-11-30
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I Have been trying to resolve funds stolen from my Chase bank account for almost 2 years now and have had no joy, Chase has made it impossible for me to communicate with a person or account manager as I am based internationally.They asked me to provide a US based address to send the first part of the claim which I have done and have yet to receive the check they promised.They have responded to my complaint previously on cfpb but no action on there part has been forthcoming I am out of pocket for almost {>= $1,000,000} and want my money returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Was not notified of investigation status or results

Complaint:
In XX/XX/XXXX, I looked at my credit report and noticed an account with Toyota Motor Credit did not look correctly reported. I started by writing to credit bureaus to investigate the matter but it always kept coming back verified. 

After sending several letters to the credit bureaus and getting no where, I wrote directly to Toyota Motor Credit. My first certified letter was sent on XX/XX/XXXX. I did not receive a letter or any statement from Toyota Credit Motor. After no response, I wrote another certified letter on XX/XX/XXXX to Toyota Motor Credit. They still sent no information to me about this account. 

I wrote back to the credit bureaus on XX/XX/XXXX to inform them that I have been reaching out Toyota Motor Credit and they have not sent me any information about this account and requested that it be removed. I received an update from XXXX stating that the account has been updated with updated information. After looking at the report, there was no information updated on it. I am not sure how the credit bureaus were able to get information from this company, but I have not received anything. For 3 consecutive months in XXXX, its reporting that this vehicle was repossessed each month. I am not sure how a vehicle is picked up for 3 consecutive months without any communication to the account holder. 

I would really like your assistance with this account. At this point, I would like to have the account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: JTM Capital Management, LLC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted XXXX and XXXX XXXX XXXX XXXX several times requesting validation of the debt that they claim I owe. I sent letters via certified mail return receipt. They have not responded at all which is in violation of 15 USC 1692g ( a ) - Validation of Debts but continue to negatively impact my credit report. Please see the attached Affidavit of Truth and exhibits that highlight their violations of my rights under the FDCPA and FCRA and the attached Invoice that is due to be paid upon receipt. Under 15 USC 1692k ( 2 ) ( A ) I am owed {$1000.00} per violation of my rights. 

They have not supplied any of the information I have requested in order to attempt validate this alleged debt since the consumer is the only one who can validate a debt : Name and address of alleged creditor Name on file of alleged debtor Alleged account # Address on file for alleged debtor Alleged account # Amount of alleged debt Date ( this alleged debt became payable ) Date of original charge or delinquency Was this debt assigned to a debt collector or purchased? 
Amount paid if debt was purchased Commission for debt if collection efforts are successful Please attach copies of the following : Agreement with your client that grants TOTAL VISA/TBOM/VT or JTM CAPITAL MANAGEMENT. the authority to collect this alleged debt. 
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. 
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
All statements while this account was open. 

Have any insurance claims been made by any creditor regarding this account? 

Have any judgements been obtained by any creditor regarding this account? 

Please provide the name and address of the bonding agent for TOTAL VISA/TBOM/VT or JTM CAPITAL MANAGEMENT, in case legal action becomes necessary. 

I have only received a letter from XXXX stating that the debt was transferred to JTM Capital Management. JTM Capital Management has not provided me with a notification of this debt which is also a violation of my rights as a consumer. I have not received any contractual agreement that I signed with the alleged original debt collector or a contract that I signed with JTM Capital Management that says I have agreed to pay them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XXXX, I submitted the attached/uploaded 21 page packet to FedLoan Servicing XXXX I sent packets to the XXXX 's noted at the bottom of the letter ( Office of Consumer Advocacy and US Department of Education ). I had requested information from FedLoan Servicing regarding the omission of my service/employment with XXXX XXXX XXXX not only in the letter dated XXXX, but in numerous emails and phone calls dating back two months prior. I have received no response, explanation or resolution. I am submitting this 21 page packet again as part of a complaint, along with payment history. I feel that with the consideration of my employment with XXXX XXXX XXXX, I met the eligibility criteria for loan forgiveness as of XX/XX/2017 and am eligible for a refund of the payments that I have made since that time. Please advise on how I may be able to have this error corrected. 

I have submitted this complaint to Federal Student Aid on two occasions. Each time, the case is closed with no further explanation. I have contacted the Ombudsman and received no feedback there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Action Collection Agencies, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX called and left a message saying they were the Action Collection Agency of XXXX and asked I returned the call. When I called them back the agent said he wanted to confirm some personal details before he told the nature of the call. I asked him to tell me what the call was about before I disclosed any personal information. He refused and kept asking me to confirm my address. I told him that if he did n't tell me what he was calling about he could write me a letter but he refused to do that because he said he might be mailing the wrong person. ( He could be calling the wrong person too. ) The badgering continued for some time and I finally told him that without understanding his request I would certainly not provide personal information so I would end the call and complain to the appropriate agency. He said the call was over and hung up. I have no idea what this is about. I am not aware of owing anyone any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
So I reached out to Pen Fed several times I sent on a 1099 a acquisition ofAbandonment of secured property which includes home, car, etc.To which they accepted they never sent it back and denied it and I have requested a 1099C cancellation of debt to which they refuse.All of my accounts with this credit union is backed up by the US treasury to which these accounts are already paid for and Im making double payments which is against the law these accounts are affiliated with XXXX XXXXXXXX.These accounts have promissory note which the definition is note is a financial instrument that contains a written promise by one party .the notes to maker or issuer.to pay another party, the payee a definite sum of money either on -demand or at a specified future date. I Request a 1099C cancellation of debt for all accounts affiliated with this institution personal loan Closed and paid forand automobile loan a lien release free and clear.And to have all of these accounts removed off of my personal consumer report from all of the credit Bureau

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 2022-09-07
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
As a Peoples Bank customer i have gone through the nightmare that was the transition or lack there of to M & T Bank. 

See XXXX XXXX article dated today : XXXX XXXX XXXX As an FDIC approved personal checking and business account holder I have not had access to my accounts since last Friday as branches and mobile banking were closed due to the transistion. 

Tuesday, I waited more than 16 hour and finally received a call back from M & T after hours which was impossible to respond to. I still do not have access to my mobile accounts and the mobile app repeated crashed. The customer service numbers did not function at all and when I went in person finally to a branch they were not able to assist me and directed me to call customer service which I explained was impossible. 

M & T Bank botched this transition and demonstrated a lack of execution, leadership and planning of staff allocation to accommodate what should have been foreseen as a high demand client service event. 

The fact that this is an FDIC insured bank and we have essentially been locked out of our accounts over the XXXX XXXX weekend should be investigated at a minimum. I dont recall receiving any document which stated accounts would not be available. 

This is what happens when your small community bank continues to get bought out by larger banks. You lose quality customer service and see an erosion of your banking services.

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 2023-04-17
Company: Experian Information Solutions Inc.
State: OH
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 have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 1681 c. ( 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. the accounts i am talking about are listed below : Delete all accounts immediately : XXXX XXXX acct # XXXX Inquiries to delete immediately XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX & XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date 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 2022-09-07
Company: EQUIFAX, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to send money to another person

Complaint:
I wasnt able to pay online to a family member. Also trouble being accepted at atm.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: COAST PROFESSIONAL INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Coast Professional , Inc is a debt collector. In late XXXX they falsely reported a debt on my credit report. It took me over 12 months to get Coast Professional , Inc to  deleted the debt from the 3 credit bureaus. They finally took it off when I involved the State of Arizona, Department of Financial Institutions and the Arizona Attorney General. 
On XXXX/XXXX/XXXX they responded to the State of Arizona, Department of Financial Institutions and on XXXX/XXXX/XXXX they responded to the Office of the Arizona Attorney General that on XXXX/XXXX/XXXX they requested all credit reporting bureaus to update and remove the reported information by Coast. However, their inquires still remain. I have again started the process for them to rectify their mistake and removing any/all inquiries yet I have gotten nowhere and now for the past 12 months I have continued to use my time rectifying Coast Professionals mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I filed a dispute about a transaction and asked for a return of my funds and a full inquiry they did not provide either and closed my dispute. 

dispute claim in case number : XXXX

Company response to consumer: Closed with explanation