BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-18
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX and XXXX have a record of my existence. However, XXXX   claims that they do not. I have a credit card and car loan through Chase Bank, yet XXXX says I do not exist. I have sent in copies of my SS Card and driver 's license via mail and fax and they have no record of ever receiving these. Most recently I faxed records on XX/XX/20. 

On XX/XX/20 Chase Bank reported that they only send information to XXXX. If Chase Bank could send my information to XXXX, this would presumably solve the problem. 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
Company: AmerAssist A/R Solutions, 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 looked at my credit report recently and seen this company AMERASSIST AR SOLUTIONS attempting to collect a debt that I never contracted or agreed to pay. They reported negative and defaming information beginning XX/XX/2019 on my credit report. I sent a debt validation to no avail. They never supplied sufficient information to me in order to validate the debt. I do not agree with their actins. I have challenged the accuracy and integrity of the information. 12 cfr 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 
12CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have notified the original creditor in writing that I'm on social security, which is my only source of income ; and that my icome is protected by law. My income can not be touched by any creditors. I continue to receive robo calls daily. In the morning afternoon and evening. the calls come in from the following area code XXXX with the following phone numbers XXXX   XXXX-XXXX,XXXX,XXXX,XXXX,XXXX. They also call me from area code XXXX from various phone numbers XXXX  XXXX-XXXX,XXXX,XXXX,XXXX and XXXX XXXX-XXXX. These calls keep commingin and changing every time I block their call. The phone will ring 3 times and then disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
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 sent a VALIDATION REQUEST dated XX/XX/2020 to Portfolio Recovery ( a Collection Agency ) located at XXXX XXXX XXXX. XXXX, VA. XXXX which was received by them on XX/XX/2020 according to USPS records of certified mail. This letter was a request for written validation in accordance with the provisions afforded me in THE FAIR DEBT COLLECTION PRACTICE ACT. The letter asked for documentation proving that they had the legal authority to collect from me along with proof of my legal obligation to pay and other legal notices required by law. They did not respond to me within the 30 days required by THE FAIR DEBT COLLECTION PRACTICE ACT. Because they were and still are in clear violation of the FDCPA, their unresponsive action forced me to send a final demand letter dated XX/XX/XXXX insisting that they remove any and all derogatory reports issued to XXXX, TXXXX and XXXX   credit reporting agencies. To this date XX/XX/XXXX they have not removed their derogatory reports from my credit file. I insist that they remove these negative/derogatory reports or I am left with no other choice but to file a lawsuit for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: FIRST PORTFOLIO SERVICING INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I signed up with XXXX for 4 online classes in XX/XX/XXXX. XXXX set me up with 2 loans through First associates in XXXX XXXX for XXXX. I took and completed the first course, which cost XXXX. I then was diagnosed with XXXX XX/XX/XXXX. I called XXXX, told them of my diagnosis and how it changed my plans. I asked for a refund for the 3 courses I never started. They refused. I contacted First Assoc. and told them I would pay them for the 1 course I had completed. I was told they had disbursed both loans to XXXX in XX/XX/XXXX and had to repay them whether or not I had started the courses. I then questioned XXXX why I couldn't get a refund on the 3 courses. they said I had 10 days after I started the first course to ask for a refund, even though the 2nd, 3rd, and 4th courses wouldn't begin for months. The first course lasted 8 months, the next 3 only last 4-6 weeks each. I feel this was extremely deceptive! I questioned why they disbursed the 2nd loan  before I completed the first 2 courses on the first loan. The simple fact is XXXX recieved the XXXX and after 10 days I could not cancel. 
In XXXX I disputed the First Assoc. account on my credit report. It was removed because the amount was incorrect. 2 months later it showed up again on my credit report again, but with a different name. Vervent Inc. Which is First Assoc. of XXXX XXXX. Same address, same phone #, same company, same account I had removed in XXXX. This account has been on my credit for 7 years 3 month.

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 2022-11-03
Company: Experian Information Solutions Inc.
State: MS
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX WY XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-07
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I continue seeing a collection on my account that does not belong to me. I reached out to the company abusing my credit and they could not provide any valid proof that it belongs to me. It states that is a medical bill, but they already disclosed what it was supposed to be which is against all XXXX laws. This collection does not belong to me and needs to be removed from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
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:
Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  are aiding and abetting each other in an attempt to collect a debt from me that i do not owe. I have never done any business with nor have I ever heard of XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX and I have no contracts with either of them including XXXX XXXX XXXX. Banks are securities transfer agents that only have the power to borrow and exchange. Since you are all attempting to collect an alleged debt for XXXX XXXX XXXX, in order to prove I owe this debt, you must provide the Certificate of Indebtedness. Without providing the Certificate of Indebtedness you can not collect. 
In addition the Certificate of Indebtedness the documentary evidence required to prove this claim is a general ledger in accordance with the Generally Accepted Accounting Principles and signed by the person responsible for maintaining the ledger on behalf of XXXX XXXX XXXX. Federal Rules of Civil Procedure, Federal Rules of Evidence, Rule 1002 states that I am entitled to the original. 
Billing statements and consumer credit contracts or agreements are insufficient forms of debt validation and or verification, Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ) ; GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ) ; Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super. 2000 ) ; Town of Brookfield v. Candlewood Shores Estates , Inc. 513A.2d 1218, 201 Conn.I ( 1986 ) ; Solon v. Godbole , 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3 Dist. 1987 ). 
By advertising this alleged debt to me and or any other person by any means, including but not limited to a consumer report, you are all participating in debt collection practices and acting as financial institutions. Advertising this alleged debt, which directly affects my credit score and rating, is an indirect way of helping to collect the amount of the alleged debt from me by coercing payment to you or to XXXX XXXX XXXX. This kind of activity is considered conspiracy racketeering. 
All of these issues suggest Securities Fraud. If this is not immediately removed from my consumer report, you cease all collection attempts, cease and desist all communication with me, unless it pertains to the removal of this account from my report, I will have no choice but to contact the Attorney Generals Office, The Office of the Comptroller of Currency, The Federal Trade Commission, The Securities Exchange Commission, The IRS Treasury, The Treasury Direct, and the appropriate district court to file a claim of federal charges against you including but not limited to conspiracy, fraud, extortion, and identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-12
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-04-13
Company: Santander Consumer USA Holdings Inc.
State: CA
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:
Vehicle loan balance is inaccurate, i have attempted multiple times to contact the lender to request more verification for the balance that was charged off. I have not received any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 asked the three major credit bureaus to verify info and delete. All three credit bureaus, XXXX, TransUnion, XXXX  have yet to verify accounts and still haven't deleted the items from my reports. They have broken the law and I would like the incorrect info removed.

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 2023-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had for XXXX  years XXXX bank accounts with Bank Of America. 
XXXX checkings and XXXX savings. 
My account were hacked using the XXXX XXXX which have my bank debit card id. 

On XX/XX/XXXX of XXXX the following non authorize transactions were removed by XXXX XXXX {$4900.00} {$1900.00} {$7500.00} from XXXX checking account. 

Also {$7500.00} from a second checking account. 

I immediately notified the bank and they closed all XXXX accounts. stop my debit card and re-issued me XXXX new accounts. XXXX checkings and a new savings account. they told me they will start an investigation. to follow the money?. After I waited patiently for a determination I was told today my claim was denied. Over the phone, not by mail. Bank of America refused to provide me with provisionary credit until the claim was under investigation. I feel now like a criminal instead of a victim of fraud and I feel the bank is mistreating me after XXXX XXXXears of services, maybe because I am a woman, a XXXX, and a senior. I want a further investigation and find out where my money is.

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 2020-07-18
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:
Equifax is reporting that I was late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my XXXX 's account. I contacted XXXX 's and they state it is Equifax that is reporting wrong information. I filed a dispute for XXXX 's through Equifax and attached documentation that validated I have no late payments, but the disputes was completed and results stataed late payments were verified. For XXXX 's I then filed a complaint through Consumer Financial Protection Bureau and it was verified that I have NO late payment and Equifax is reporting the wrong information. Please see below the Company 's ( XXXX 's ) complaint response through Consumer Financial Protection Bureau verifying I have NO late payments. 

Compliant number XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XXXX XXXX XXXX XXXX XXXX XXXX ) appreciates the opportunity to respond to the concerns you have regarding account ( XXXX ) XXXX. We have a more than 130-year history of quality customer service and satisfaction, and I would not want anything to impair that record. Our contact information is located on your retail installment contract or promissory note and security agreement, invoice, coupon book, and welcome letter. As a reminder, you may contact XXXX regarding questions about your purchase by calling our Customer Service Helpdesk at XXXX, or on-line at XXXX. We have investigated your concerns and as a result of our investigative measures, your complaint has been Closed with explanation. : 1. You paid the account balance in full in XX/XX/XXXX ; 2. There was a delay in closing the account ; and 3. XXXX  processed a manual AUD on XX/XX/XXXX to correct the credit reporting. According to our records, you signed a 36-month promissory note and security agreement on XX/XX/XXXX and you agreed to have the minimum monthly payment of {$120.00} due on the XXXX of each month. You made your final payment on XX/XX/XXXX ; however, there was a delay in closing the account. XXXX  closed the account on XX/XX/XXXX. XXXX  processed a manual AUD on XX/XX/XXXX to correct the delinquent credit marks that were assessed on the account due to the delayed closing. XXXX processed a bullseye report on XX/XX/XXXX and confirmed that no delinquent credit marks are being reported on the account. We have included a copy of your signed documents and payment history for your records. XXXX appreciates you for bringing your concerns to our attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: American Coradius International LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The only method this company has used to contact me has been by phone. They did not communicate by mail first which I know is law. 

The first phone call was last week on XX/XX/2019 from American coradius international they us a spoofer to hide there actual number they made it appear to be a local number ( XXXX ) XXXX When I informed. The women that was calling on behalf of XXXX that the debt was included in bankruptcy that had already been discharged, she told me they dont recognize bankruptcy and that I owed XXXX plus collection fees. I informed her to not call me again and hung up. 

My grandmother then called me on XX/XX/XXXX to inform me that american coradius international on behalf of XXXX they informed her of a debt how much was owed and told her it would be in her best interest to contact me and make me call. This is a XXXX year old women they threatened. 


american coradius international tried to call again on XX/XX/XXXX XX/XX/XXXX and this morning XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
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 was shocked when I reviewed my credit report and found late payment on XXXX of XXXX and XXXX of XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Finance of America Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Through our divorce filing an audit of our prior tax returns and personal files, it was discovered that there were several refinances and purchases to gain additional commission and compensation that affect our joint tax returns. These included refinances for his brother and other children. 
On XX/XX/2016, my husband and his loan officer were involved in mortgage fraud by closing a loan for his son that was intended to be an investment property and not owner occupied. There is documented proof that the purchase loan given to his son was intended to gain a lower interest rate by submitting the loan was owner occupied when in fact the family member never intended to live in the subject property and was living out of the country. There are documents which show the property was listed for rent on XXXX XXXX  List 30 days prior to closing the loan and tenants were moved in on the day of closing. I am bringing this to your attention in hopes a full investigation will be conducted with the FBI.

Company response to consumer: Closed with explanation