BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-19
Company: Experian Information Solutions 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:
I noticed on my credit report medical bills that were placed on my files with XXXX, Experian, and XXXX that do not belong to me. I informed all XXXX credit bureaus of this mistake and completed XXXX attempts to have these inaccurate reportings removed from my credit file. My first attempt was submitted to all XXXX bureaus on XXXX/XXXX/XXXX. There were more than XXXX medical bills belonging to my XXXX XXXX XXXX that were put on my report in error and the majority of those collection files were removed but not all of them. So I submitted another written request to all XXXX bureaus to have the remaining collections medical bills that do not belong to me removed on XXXX/XXXX/XXXX and again additional medical bills were removed but not all. I submitted an additional and final request on XXXX/XXXX/XXXX to have the remaining inaccurate reporting medical bills belong to another individual removed from my credit file to no avail. All XXXX bureaus have not provided me with the proof of validity as requested on all XXXX occasions and now do not respond at all to my continuous pursuit to have these inaccurate items removed. I understand my rights under the Fair Credit Reporting Act and have remained patient while allowing the Credit Bureaus to complete their investigation. These items have not and can not be verified by the Credit Bureaus because they do not belong to me and I request that they are removed from my report as required by law. I have kept all my records of correspondence with each credit bureaus and will happily provide this documentation as needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15
Company: Choice Recovery, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Choice Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase credit card had one late payment due to illness of mother and called to correct. I have a mortgage checking and savings with over 100,000 and they would not remove it from my credit report causing myself and my child hardships. If it is not removed I will remove my funds and close all accounts.

Company response to consumer: Closed with explanation
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:
I noticed on my credit report medical bills that were placed on my files with XXXX, XXXX, and TransUnion that do not belong to me. I informed all XXXX credit bureaus of this mistake and completed XXXX attempts to have these inaccurate reportings removed from my credit file. My first attempt was submitted to all XXXX bureaus on XXXX/XXXX/XXXX. There were more than XXXX medical bills belonging to my XXXX XXXX XXXX that were put on my report in error and the majority of those collection files were removed but not all of them. So I submitted another written request to all XXXX bureaus to have the remaining collections medical bills that do not belong to me removed on XXXX/XXXX/XXXX and again additional medical bills were removed but not all. I submitted an additional and final request on XXXX/XXXX/XXXX to have the remaining inaccurate reporting medical bills belong to another individual removed from my credit file to no avail. All XXXX bureaus have not provided me with the proof of validity as requested on all XXXX occasions and now do not respond at all to my continuous pursuit to have these inaccurate items removed. I understand my rights under the Fair Credit Reporting Act and have remained patient while allowing the Credit Bureaus to complete their investigation. These items have not and can not be verified by the Credit Bureaus because they do not belong to me and I request that they are removed from my report as required by law. I have kept all my records of correspondence with each credit bureaus and will happily provide this documentation as needed.

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 2018-09-29
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
In XXXX I established wire transfer for the amount of {$5000.00} to be sent to XXXX for the purpose of making a down payment for apartment. The party in XXXX did not receive the transfer yet. TD bank is not able to give an update of what is going on. It is frustrating since I can not find any one to help. I am not able to find anyone in TD bank to solve my issue. Please help urgently. 
Thank you Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: KY
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:
Hello I contacted Equifax and XXXX and they refuse to give me my credit reports I have been trying to contact them for 2 years and they refuse to give me the information stating that I have not answered the security courses correctly so they informed me to mail them a copy of my picture ID driver 's license and proof of residency and I did that on both the cages which the last time was 2 weeks ago they also refuse to accept the dispute letters that I gave them concerning XXXX XXXX agency which raise the price of the debt 3 XXXX bills which I turned in for XXXX XXXX fraud and now I received a letter for XXXXXXXX XXXX XXXX stating that I owe them {$2000.00} from XXXX which they had closed it but since student debt is being paid off now they come out and said as if XXXX the XXXX I owe them {$2000.00} so they turned me over to the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX of collection and they said if I don't pay {$2000.00} in the next 7 days they're going to take my home freeze my bank account and put a lien on my house and I will be homeless because I don't have a job and I don't have a bank account and I will upload all the information that they mailed to me thank you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bank of America put fraud warning on me through early Warning Services. My bank account from a different was closed due to this. Its causing finical hardship. Ive tried to fix this with Bank of America it they refuse to do anything about it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account is not mines and I have submitted many disputes on this account. i will not pay it or work with creditor. 

COLLECTIONS XXXX XXXX XXXX Last reported : XX/XX/2018 {$4000.00}

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 2023-01-04
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
No Knowledge of debt

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 2016-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed bankruptcy back in 2010 and it has been discharged for a few years now. I let my home go and Bank of America was he lender on this. I continue to get letters from them and statements after I have asked repeatedly for them to stop sending me these. I also asked them not to call me and they call me every once in awhile. The home started to go into the forclosure process. I recently got a letter about an application being submitted in my name and I did not submit any application. Bank of America is continuing to harass me and will not stop. They completely disregarded my cease and desist letter as well after they acknowleged they recieved it. I need to stop is is causing me health issues. I am not sleeping well and I ma have constant panic attacks. Please do something to make this stop. Property Address is XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
case # XXXX It really is very simple I followed the merchants return policy I returned everything they received everything I provided the tracking information the package weighed the proper amount they signed for the package they never reported any problems with the package I'm not going to go away until you explain to me in detail how you've come to this conclusion what other proof could I have possibly provided that would have supported my case? If I fail to follow any of their return policies I would like them to tell me exactly which one it is because I believed I followed all of their return policies I even used their shipping label they are liable for the package

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My student loans have lates reporting and I haven't been late since XXXX, and then I refinanced loans. I have three student loans and all the payment have been made correctly and on time. 

DPT ED/XXXX amount Owed {$530.00} it shows that I was late in XXXX and XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX. I have never been late at all DPT ED/XXXX amount Owed {$21000.00} it shows that I was late in XXXX and XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX. I have never been late at all DPT ED/XXXX Amount owed {$2000.00} it shows that I was late in XXXX and XX/XX/XXXX, XXXX, XXXX and XXXX of XXXX, XX/XX/XXXX. I have never been late at all

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 2019-06-04
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
General Revenue Services claim to have mailed me debt validation information XX/XX/2019 I am requesting copies of this information to be uploaded to the response in this complaint and mailed to me for my records. I have not received any debt validation or verification according to the Fair Debt Collections Practices Act. 

General Revenue Services has not sent any account billing or details for the amount of {$540.00}. they have place on my credit report - General Revenue Services has also not provided any documents that say they have a right to collect on behalf of any other company for this amount either I am requesting this information be provided with in 5 days of this notice being received This is my 3rd request for debt validation and verification

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 2023-04-02
Company: NRA Group, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have continued to get calls even after repeated attempts to show this debt is not mine and that I have never lived at the address they are saying I owe an electric bill for, I have provided police reports and copies of my id, when I request validation they have nothing with my signature or id, anyone could have done this account as the company allows start of service online with no verification.

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 2021-02-04
Company: Nelnet, Inc.
State: FL
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:
DEPTEDNELNET **** Opened Date XX/XX/2012 Balance {$1600.00} DEPTEDNELNET **** Opened Date XX/XX/2012 Balance {$2000.00} As a consumer, I now have rights that are provided to me to guard me through misinformation being disclosed on this credit report. At this moment I would like to have a previous inquiry for examination before I seek the advice of my attorney for tips on how to deal with inaccurate and unverifiable items that are ongoing to be shown as legitimate. Please don't hesitate to present me along with a copy of the agreement approved or voice chat where I allowed billing me with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14
Company: Lincoln Educational Services Corporation
State: NJ
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:
All 3 credit bureaus are reporting that i have a account with XXXX  and i do not currently the have not verified that the account is mine and i have sent 3 letters and XXXX to them and sent a letter to XXXX XXXX but i have not received a sign document from them that i do owe them and the 3 bureaus and XXXX say that it is verified but have not provided me how they verified it or provided me with any documents

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: C/C Financial
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Company : C/C Financial Corp. Merchants Preferred Lease-Purchase Services XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , GA XXXX ( XXXX ) XXXX This company charges 100 % interest!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES , INC. d/b/a CHASE when I applied for a Chase Visa Signature business card account XXXX I was notified of this transgression of my rights, specially 15 USC 1601- The Truth in Lending Act, by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES , INC. d/b/a CHASE on XXXX via U.S mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I, as a natural person possessing an open-end credit plan was harmed by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES , INC. d/b/a CHASE adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( XXXX ) ( A ) ( XXXX ) are up to ( {$5000.00} ). J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES , INC. d/b/a CHASE is now civilly liable to pay me for the damages. This action hurt me and my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: ID Analytics, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
applied for credit card with XXXX to save on buying appliance was turned down when the letter came 7 days later explaining why it states I am deceased. I am quite alive and working. This is a very poor company that can not see dead people do not go to stores and buy appliances cut rate company very disappointed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
RE : Unauthorized Accounts/Inquires To Whom It May Concern : I recently reviewed my credit report and found unauthorized Accounts/Inquiries that are attached to this letter. 

I disputed these accounts on XXXX they came off due to violations listed on the bottom of this page. I would like to see the same for XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Card Services I have these three negative accounts on all three credit Bureaus. I've disputed an account from Toyota motor services & two accounts from XXXX XXXX 


XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  ) XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) I have inquiries from on my credit report that did NOT get my written instructions & I have the right to privacy and confidentiality under 15 USC 1681. 

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
my Bank of America checking account was hacked and my debit card was fraudulently used to pay for XXXX XXXXXXXX XXXX for the 2nd time the first incident was on XX/XX/XXXX in the amount of {$9.00} plus an international fee of {$0.00} which took Bank of America approximately 5 day 's to refund the charges however this claim is still under review and not resolved now the second incident was on XX/XX/XXXX by the same merchant XXXX XXXX XXXX  in the amount of {$19.00} plus an international fee of {$0.00} on this transaction it has caused my account to become over drawn at this time. Bank of America has charged me an overdraft fee of {$35.00} which they are refusing to reverse this erroneous fee but has refunded one of the fraudulent charges of {$19.00} which still has my checking account over drawn.

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