BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; SYNCBBP XXXX XXXX XXXX XXXX XXXX MCYDSNB XXXX SYNCB/AMAZ XXXX SYNCB/LOWE XXXX SYNCB/STSH XXXX SYNCBBP XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL 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 2018-10-01
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, 2018, and XX/XX/2018. It is now XX/XX/2018. I sent the PMAB LLC and all 3 credit bureaus a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In XXXX, XXXX and XXXX I duspute the following inquiries with the credit bureaus and also with the perspective companies. The companies have not responded and the credit bureaus are continuing to report them on my report. I do not have any credit line with these companies, i have not applied for any credit nor have I received any firm offers of credit from these company. 
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 2020-07-09
Company: JPMORGAN CHASE & CO.
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: LA
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 company is violating my rights as I am allowed a fair and accurate credit report. The account they are reporting is paid in full and closed as of XX/XX/XXXX which has not been updated. I also did not sign a contract stating that this could be listed on my credit report which is also in violation according the the fair credit reporting act. I demand that this be updated to correctly reflect. 
In reference to TN child support

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 2023-05-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chase bank business account was opened for my dental office XXXX XXXXXXXX XXXX  in XX/XX/XXXX  and in XXXX XXXX XXXX ACH was activated on my account and was paying that service without using it. i thought it was a fee for having checking account. my accountant brouhgt it to my attention and i called the chase to cancel service and asked them to show me proof that i had given permission to activate that service. they will not give me any credit back other than last four months. the charge was for 8 yrs. that I have been paying for a service I have never used. the institution will not allow me to get any credit for all that time and will not give me proof that i approved that charge. I feel that Chase is targeting Hispanic people by adding charges that were never approved by consumer. like the ACH fee charge that was added to my account in hope I never found out ot the unauthorize charges. all i want is for Chase to refund me that monthly charge or to provide me with proof that i acknowledged or approved the ACH service charge back in XX/XX/XXXX of XXXX. This is a business account with Chase Bank. my branch manager and chase bank cant help me resolve that issue, other than it was done by me using my log in credentials. yet they have provided me no proof. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: GREAT LAKES
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I can not get a statement nor could I get a payment mailing address until after the first payment was due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After buying our new condominium in XXXX we received a tax bill for the whole building in XX/XX/2021. I promptly forwarded to the escrow company that bill ( {$3300.00} ) with our deed that explained that we owe 33.33 % as we are one of three units in the building. This brings a total owed by us to {$1100.00} by XXXX. The mortgage company did not respond and did not paid the bill, when contacted they just said that they were looking into it. 

By XXXX we received the second quarterly bill for the building. The total owed by our unit is {$2200.00} and we have received {$37.00} in interest for non payment of the first quarter. I again contacted the mortgage company multiple times by phone, email and text. They assured me that the bill will be paid by the due date, XX/XX/XXXX. 

On XXXX we got an escrow analysis done and they estimated the real estate taxes to be {$10000.00}, up from {$6600.00}. So now our payments are increasing {$580.00} per month without an actual split bill from the city and without any disbursements made for real estate taxes. 

Today ( XXXX ) I contacted the mortgage company again because the real estate tax bill has not been paid and they stated that they will not move until the city splits up the building into individual tax bills. The city has repeatedly told the escrow company that the split will happen in XXXX and to just pay a third of what is owed according to the deed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: EQUIFAX, INC.
State: NC
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:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, 2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX and the CREDIT BUREAUS a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Cedars Business Services, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The defective product was returned to XXXX. Without a membership the product will not work. The collection tactics have been harassing and my ex husband was called. They call me 3-4 times a day, send texts and emails. No balance owed. Debt should be removed from my report.

I am disputing this debt accuracy, This account is closed & settled & was sold to collections without my consent. I have received harassing calls & mail it's required by the Fair Debt Collection Practices Act ( FDCPA ) to remove inaccurate reports. 





CEDARS BUSINESS SERVIce XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: GA
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:
Experian, XXXX Credit Bureaus has fail to do an accurate and fair investigation on my XXXX XXXX XXXX dispute. XXXX XXXX XXXX filed a 1099C and has stop all collections/ forgiven this account. This account is no longer a debt, It was claimed as income for 2022 tax year. XXXX has already deleted this account, but Experian XXXX XXXX has falsified information on their investigation. Income is not suppose to be report on a consumer credit report. 

Internal Revenue Service ( IRS ) Publication 525, " Taxable and Nontaxable Income, '' In general, a Form 1099-C, Cancellation of Debt, is used to report canceled or forgiven debts. The IRS generally considers canceled debt as taxable income, with certain exceptions. If a creditor cancels a debt you owe of {$600.00} or more, they are required to file Form 1099-C with the IRS and provide you a copy. The amount of canceled debt reported on Form 1099-C is generally included in your gross income, which means it may be subject to income tax. 

However, there are some situations where canceled debt may be excluded from taxable income. These exceptions include : Debt canceled in a bankruptcy proceeding. 
Debt canceled when you were insolvent ( your liabilities exceeded your assets ). 
Certain farm indebtedness. 
Non-recourse loans ( loans for which the lender 's only recourse in case of default is to repossess the property that serves as collateral ). 
Qualified principal residence indebtedness ( canceled mortgage debt on your main home ). 
These exceptions and their specific requirements are detailed in IRS guidelines and should be reviewed carefully to determine if they apply to your situation.

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 2018-05-23
Company: D2 Management LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2018 XXXX hrs - This person called me and was looking for my father. They would not identify what company they were from nor would they state the nature of the call. I assumed they were debt collectors. 

She then rudely hung up on me once I explained I wasn't my father. I called back to tell them that I was reporting this call and that I was recording this call. 

I have never seen or heard of any debt collector behaving in this manner. I am on the do not call registry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: General Credit Services
State: TN
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:
GENERAL CREDIT SERVICES OF ARIZONA. CONTINUES TO REPORT A DEBT FROM XX/XX/XXXX AS DEROGATORY OPEN COLLECTION ITEM ON MY XXXX CREDIT FILE THAT WAS DISCHARGE IN A CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX. GENERAL CREDIT SERVICE WAS INCLUDED IN THE CHAPTER XXXX BANKRUPTCY FILED ON XX/XX/XXXX GENERAL CREDIT SERVICE CONTINUES TO REPORT THIS ITEM AS A OPEN COLLECTION ITEM AND HAS ONLY MADE REMARKS TO THE ITEM AND HAS NOT CHANGED THE STATUS AS PAID/CLOSED. I 'VE CONTACTED THE COMPANY AND SPOKE WITH THE ARIZONA OFFICE AND WAS TOLD THEY JUST RECENTLY REPLIED TO MY XXXX DISPUTE ( AND UPDATED THIS ITEM AS VERIFIED ) THE ITEM IS STILL SHOWING AS A OPEN DEROGATORY COLLECTION ITEM, WHEN THIS ITEM WAS PAID FROM THE BANKRUPTCY ESTATE. THIS OPEN COLLECTION ITEM IS HURTING MY CHANCES OF REBUILDING MY CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-06-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been a victim of identity theft in the bureaus aren't doing anything about it .... i been sending notices letting them no they are not responding, violation under the FCRA ITS MUST BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: AES/PHEAA
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
My information was included in the XXXX, XXXX, and Experian data breaches which caused my personal information to end up in the wrong hands. I notice some inaccurate and incomplete accounts on my credit report that I were unauthorized that I need removed immediately. I know that information on your credit report needs to be accurate, but the accounts listed on my reports are not accurate at all. I also sent letters to Experian, XXXX, and XXXX more than 30 days ago and the disregarded my disputes and kept reporting false, incomplete and inaccurate accounts. this is hurting my reputation with the banking system and hurting my chances at getting approved for a home loan. I need all inaccurate accounts and inquiries removed now

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 2018-10-01
Company: EQUIFAX, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
I have tried to file a dispute online and equifax wont allow me to login. Says my information doesnt match yet its the same info Ive had for years .... I also tried to pull my free credit report from Equifax and they will not comply either. Equifax has now shut me out from viewing my report and from filing a dispute for erronoues items on my credit report. Equifax has also failed to automatically send a written copy to my known address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 I notified my branch Capital One Bank XXXX XXXX XXXX XXXX NY, XXXX ) that on Monday XX/XX/XXXX I would be making a deposit of {$6500.00} in wrapped coins. I have multiple accounts with said bank, but this was for my business account ( XXXX XXXX XXXX XXXX ) I was told not to bring the deposit until we get approval from the Branch Manager! I was extremely upset and told them that banking regulations are strictly monitored and they can not refuse to take a deposit from me.They were well aware I owned a XXXX XXXX and would seldom deposit WRAPPED coins, th y said it would not be a problem. I read my contract I signed upon opening th account and nowhere in the contract did it state there was a limit to what I could deposit, Cash or Wrapped coins neiether one.

Eventually bank manager called me and said we dont have room to store that amount that I would have to make multiple deposits on different days/weeks. This is ludicrous and nonsense, they are now  allowed to make there own rules when it comes to deposits and so on. I am still sitting on every dollar in my house and think its unsafe to have that amount of monet sitting around because my bank thinks they can make there own rules when it comes to banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Midwest Recovery Systems
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: Information belongs to someone else

Complaint:
I don't know this account. 
All it says is that it's a 'bank account OR card opened up with my social security # ( the alert showed on my XXXX , apparently it was reported to XXXX  ) and name. 
I have only one bank account at XXXX  XXXX XXXX so any other cards or accounts opened up after in/after 2011 are fraudulent. 
This company reported XXXX to my credit score. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt, the agreement bearing my signature stating that I have agreed to assume the debt, Valid copies of the debt agreement stating the amount of the debt and interest charges, Proof that the Statute of Limitations has not expired, Complete payment history on this account along with an accounting of all additional charges being assessed, Show they are licensed to collect in my state ; and their license numbers and Registered Agent. If your they fail to reply to this debt validation within 30 days from the date of the eceipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Company response to consumer: Closed with explanation