BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-18
Company: JPMORGAN CHASE & CO.
State: MI
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:
ACH transactions from an account at XXXX XXXX ( {$900.00} on XXXX XXXX 2017,  {$1500.00} on XXXX XXXX 2017, and {$900.00} on XXXX XXXX 2017, that were direct deposit credits to Chase account number ending in XXXX listed on the XXXX report. 

XXXX 's records do not indicate that I have ever had a relationship with XXXX per CFPB-CASE # XXXX AND CFPB-CASE # XXXX. 

I dispute all unverifiable transactions contained in account ending XXXX and Summary File Disclosure, Consumer ID : XXXX prepared on XX/XX/2017 by Early Warning summary disclosure. As the Secured Party Creditor, and the holder of the XXXX XXXX interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the XXXX Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, XXXX. XXXX XXXX of XXXX of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, XXXX. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a collection showing on my credit from Rent Recovery Solutions LLC. 
The address listed on each report is XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX. I disputed this directly with the bureaus before on account of having never received proof / verifiable information as to why the debt as owed in the first place. 

I have attempted to contact this collector several times in writing to no avail. At first I thought they were refusing delivery because my letters were not certified, but upon sending a certified letter and having that returned as well, I realized the collector just isn't reporting accurate information to my reports, in direct violation of the FCRA. 

I want the account removed from my reports since it's proven unduly burdensome to contact the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX failed to remove a debt from my consumer report after requests for them to provide validation pursuant to the Fair Credit Reporting Act. Two collection agencies failed to validate the account but XXXX XXXX still reports it on my credit report. 

Please see the attached documentation and court filing for further information.

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 2023-07-04
Company: EQUIFAX, INC.
State: DC
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:
I was on active orders during XXXX XX/XX/2023 and XXXX XXXX bank during this time reported my account as past 30 days due. I was financially restricted however I did have a payment setup as they would call me and I would make the payment. They never called or notified however they knew I was on active orders during this time. The next week I called and paid the balance in full, that same month they reported my account as 30 days past due. Afterwards I reached out to them on XX/XX/XXXX regarding it to be removed, then again XXXX XXXX. Nothing has been done and no fix was made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have contacted the company and they have not taken care of it. I am requesting that these are unauthorized inquiries and to be deleted from my report. Thank you for your assistance in resolving this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-07-26
Company: TOYOTA MOTOR CREDIT CORPORATION
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 status incorrect

Complaint:
This is yet another complaint against Toyota Motor Credit ( TMC ) for my TMC account # XXXX ( Joint account and I am the primary account holder ). TMC keeps reporting this joint account to all XXXX CRAs as a CHARGE OFF when it IS NOT. TMC lost the payment I made back on XX/XX/2017 and it took them months to locate the payment and apply it to the correct account. And in the meantime TMC reports my account as a CHARGE-OFF and it is not. Me and my cosigner have been going through this issue since XX/XX/2017 to no avail. TMC removes the charge-off when I call or file a complaint, and the next month the charge-off marker is back on my credit report thus affecting my excellent credit standing by 90-95 points drop in score. 

This is crazy and unacceptable. How much more time do I spend on this issue? How many complaints do I need to file to get this information corrected permanently? How is TMC going to reimburse me for my countless hours wasted on phone calls and being transferred from one TMC and credit bureau representative and department to another, being put on hold for hours, explaining everything all over again to tens of different representatives in different departments? How much longer ... ..??? Seems like they don't know what they are doing and how ... This is sickening, this is a violation of my FCRA consumer rights. Who is accountable for this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: State Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
State Collection Service , Inc. did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account has been frozen since XX/XX/XXXX. I have called multiple times they transfer me to the department that's able to unfreeze my account and it goes straight to voicemail. I left multiple messages with no return call, I need my account open asap its causing major damage to my business. I'm losing revenue!!! This is my last request before my attorney file suit for damages and loss wages!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Cash Central ( XXXX XXXX XXXX ) - a pay day loan company made a fraudualent loan to an online applicant using my stolen identity. They did not do any due diligience when lending the funds - did not call my employer or any of the telephone numbers reported on my credit reports, did not call check the account that they sent the laon funds to were mine. I had fraud alerts filed with two of three agencies and was working on the third due to XXXX breach. After notifing Cash Central that loan was fraudulent they issued a " civil action '' that shows on my credit report. 
Any due diligience on their part during the applicaiton process would easily have identified that I would OBVIOUSLY not apply for a pay day loan with high fees and rates. My credit reports all show larges amounts of available credit with banks and reputable institutions that have reasonable rates. 
I have filed their Complaint paperwork along with ID and the FTC victim of identity theft letter, and they are still arguing that I need to provide additional information. They want a police report and notifized statements, all time consuming and unreasonable when they did nothing to protect a consumers from this type of fraud. They have not provided me with any information I requested, like copies of the loan application and proof that money went into my accounts, " that is confidential information '' is their response. Whose confidenial information is it if not mine when they made this loan in my name?

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 2018-10-02
Company: ECMC GROUP, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX of XXXX, CA collected - through garnishment- an old student loan account for ECMC XXXX 

1 ) This corporation allegedly sent a " release of garnishment '' for the collections to stop, but my company never received it from them, however, did receive one from ECMC once I contacted ECMC about the matter. 
XXXX XXXX claimed to have sent it out on XX/XX/XXXX and my company/employer NEVER received this alleged copy of THEIR release of garnishment. Furthermore, they refused to provide me with a copy of the alleged release that they sent. My company/employer only received it because I followed up with ECMC. 


2 ) Account Technologies over collected on this debt, because the release of garnishment was never sent/received by my employer as they stated they did. For a month I have been in communication with ECMC and they stated that there was not an overpayment showing and that I should follow up with my employer. My employer - payroll department, representative XXXX XXXX confirmed that XXXX   XXXX cashed the check that was sent to them, the check was cashed on XX/XX/XXXX. XXXX  XXXX confirmed to the payroll representative that they received funds in the same check sent to them for funds for other employees of my company, but deny having record of getting the portion that represented my overpayment. THESE FUNDS WERE SENT to XXXX XXXX  ON THE SAME CHECK, not separate checks. ( Amount of my overpayment is {$380.00} ) 3 )  XXXX XXXX has never tried to help me resolve this overpayment or getting a copy of the alleged release of garnishment - that was never received FROM THEM by my employer. I have only gotten false information and the run around. 

I would like my funds back IMMEDIATELY, because it has been proven that they have them. I am not interested in more excuses and false information. They try to defer to ECMC, but the monies were sent to them directly and they have never recorded it so that ECMC can see this additional overpayment. At this point it is a violation of FDCPA ( Fair Debt Collection Practices Act ). My employer has confirmed that they DO have the funds. Period. It needs to be returned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : 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 2022-02-12
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have two insurance companies since XXXX. Both cards were submitted at the time of service. After my first insurance pays State XXXX picks up what is left. Ive contacted the credit bureau many times over these bills and I get the same reply every time its too late to bill for these charges. It isnt my fault that they didnt bill the insurance companies properly. They have a charge from XXXX and the same reply its too late to bill the insurance. Im XXXX and on a very limited income. I would and do pay my bills I owe but all these XXXX charges arent my responsibility. I hope you can help with this situation. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I KEEP RECIEVEING HOSPITAL BILL FROM RANDOM HOSPITAL ABOUT BILLS I DID NOT THIS IS THE SAME PROBLEMS I HAVE BEEN HAVING I HAVE INSURANCE THIS IS NOT MY BILL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 am very stressed out because I do not recognize these accounts. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal actions.

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 2020-02-13
Company: 2288984 Ontario Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This is a payday loan from MOney Key. Somewhere along the line a Company called XXXX called me and my spouse using legal action and would file a record of fraud on me. I asked for verification debt and what there address was and they refused and told me they were just going to proceed. I got scared and paid them {$300.00} I want my money back till I get my verification which they refused and they wouldn't give me there address of where they are at.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I visited XXXX XXXX XXXX XXXX for an office visit with one of their surgeons. I provided them with my primary insurance card, and for my secondary insurance which was XXXX, I provided them with my Social Security number. I had not yet received my XXXX card, but was in their system. They were able to confirm that I had both insurances, and that I owed nothing upon checkout. 

In XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me a bill for {$560.00}. Please note that XXXX XXXX XXXX XXXX is a XXXX provider, and I am a XXXX   beneficiary. It is ILLEGAL to bill a XXXX beneficiary. 

On XX/XX/XXXX, I sent a certified letter to the provider warning him that if he continues to bill me again, he will get in big trouble. His office received my certified letter and signed the signature card on XX/XX/XXXX. Instead of billing XXXX the difference of what was owed after my primary insurance didn't pay, they had the audacity to play with fire. They continued to bill me for another year and a half. 

I have complained to XXXX and they are still investigating XXXX XXXX  XXXX XXXX. Any day now, XXXX XXXX and XXXX XXXX XXXX XXXX will get arrested. I don't worry about that part. The issue is that XXXX XXXX XXXX XXXX had the audacity to send the bill to XXXX XXXX with an interest of {$73.00}, and threatened to ruin my credit. I received a bill just this month. 

XXXX XXXX XXXX XXXX needs a wake up call. This is not OK. This is not my debt. They should have billed XXXX, because that was their job. Not mine. 

Attached, please find the XXXX codes they have violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01
Company: Sequium Asset Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I sent a debt validation letter to this collector and they have since failed to validate the debt or even respond. After the XXXX  days given to respond expired, this is now being reported to my credit report on XX/XX/XXXX, which is a clear violation of the FDCPA. Swiftly remove the debt and credit report remarks before I file suit. This will be my last attempt to resolve this matter before suing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Transactions for Bills or necessities process for several days and then im charged late fees. Transactions that were processed can not be disputed until processed and if the transaction wasn't meant to be transacted my money is not put back in account by bank.

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