BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-10
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have recently been using XXXX XXXX to monitor my credit in an attempt to repair and increase my credit score, and have diligently been working on it. When I created my account, I found 2 derogatory marks on it from the Collection Bureau of Fort Walton Beach and have tried to use the XXXX XXXX website to file a complaint with XXXX but they keep telling me that my information does n't match theirs. At no time did I receive any type of correspondence from the Collection Bureau regarding either of these charges. One is for XXXX XXXX XXXX for XXXX and entered XX/XX/XXXX and I have not used that clinic or any of it 's services for at least 10 years. I have no idea what this charge is for or when. The other I will do a separate complaint for, is for XXXX XXXX XXXX, dated XX/XX/XXXX in the amount of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Following a visit to an ER I received collection notices from a company called XXXX XXXXXXXX. I advised them via phone and a mailed written letter that the debt that they allege is mine is not mine. They continued to harass me via phone for several months following my dispute of this debt. I made a point of sending my written dispute within the 30 day period as required under the FCRA legislation. They did not care and proceeded to hit my credit report with a negative report. 

I guess both written and verbal disputes that are received from the public are ignored by Americollect. Please assist me with cleaning up this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was on a payment plan with American Express where we agreed they would draft {$160.00} on the XXXX of every month. In early XXXX, I paid the card in full. On XX/XX/2020, I received a letter from American Express stating that I have completed the payment plan. The letter specifically says " The scheduled payments set up as part of your participation in the Program have now ended. '' Also, the letter says I can chat on their website with questions. 

Today, XX/XX/2020, a payment was drafted for {$160.00}. I got on the website and tried to cancel autopay, but there is not an option. The website also says I am scheduled to be drafted again on XX/XX/2020 for {$160.00}, which I don't even owe. I chatted with a representative and asked them to please cancel this. They said it can only be cancelled by calling a special number. I explained to them I have issues with my cell phone and can not easily make calls, as well as a very busy work schedule that conflicts with the hours they are open. They said they can not help me and indicated that they will continue to draft the payment I do not owe unless I call a certain number. 

Considering I received a letter that says my scheduled payments have ended, this is highly deceptive and unfair. They are making it hard for me to cancel an auto payment when I don't even owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 sending my CFPB Complaint to inform you that time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items and help me delete I am concerned of : 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  Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Balance {$0.00} ; 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 2018-08-06
Company: EQUIFAX, 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 AM FILING THIS COMPLAINT BECAUSE XXXX, EQUIFAX, AND XXXX  HAS IGNORED MY REQUEST BACK IN XXXX OF 2018 IS WHEN I FIRST NOTICED THE UNFAMILIAR ACCOUNTS LISTED ON MY CREDIT REPORTS SO I MAILED OFF MY LETTER TO THE BUREAUS ASKING FOR THEM TO CORRECT THEIR ERRORS MY FIRST LETTER WENT OUT IN XXXX, SECOND WENT OUT IN XX/XX/2018, THIRD WENT OUT IN XXXX AND MORE LETTERS WENT OUT SINCE THEN REQUESTING THAT THEY HONOR THE FEDERAL LAW-FCRA 611 ( 5 ) ( A ) AND PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. THIS INCLUDES THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX   ACCT # XXXX XXXX  XXXX ACCT # XXXX I DID SOME RESEARCH AND AS I UNDERSTAND, FEDERAL REPORTING LAWS, PARTICULARLY METRO 2 DATA FORMATTED REPORTING REGULATIONS ENACTED AS A RESULT OF THE CRSA, REQUIRES THAT ANY AND ALL INFORMATION OR NOTATIONS ALLEGED BE CERTIFICATED COMPLIANT AS WELL AS FULLY TRUE, CORRECT, COMPLETE, TIMELY, PROVEN MINE AND PROVEN OF MY RESPONSIBILITY. IT IS WITH CLARITY THAT THE SAME LAWS DICTATE THAT NO ENTITY INCLUDING A CONSUMER CREDIT REPORTING AGENCY SUCH AS YOURSELF CAN EXCUSE ITSELF FROM THE RESPONSIBILITIES OR LIABILITIES SHOULD THAT ENTITY BECOME DEFICIENT IN THAT COMPLIANCE OR PHYSICAL PROOF OF IT.I AM ENACTING MY CONSUMER RIGHTS TO HAVE ONLY CURRENT TRUE ACCURATE AND PHYSICALLY PROVEN METRO 2 COMPLIANT INFORMATION REPORTING. I DO NOT AUTHORIZE YOU TO RETAIN ANY OTHER ACCUSATIONS OF ADVERSE DEROGATORY NATURE, RETAIN OR RETURN TO REQUISITE METRO 2 COMPLIANCE BY YOUR WILLFUL ANNULMENT OF ANY AND ALL OF THE ABOVE LISTED. THANK YOU IN ADVANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/XXXX I logged onto XXXX to see a XXXX dollar balance on a credit card I did not open. This card was supposedly opened in XXXX and I was 8 years old at the time and could not have possibly opened the account myself. I disputed the charges on XXXX but nothing was removed from my account after their investigation. I do not have access to the account holder 's name or information as I have no idea who that would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Resurgent Capital Services L.P.
State: CT
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:
This debt collector I reporting an account that I have no knowledge about having.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Fidelity National Financial, Inc
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I submitted a document pertaining to a XXXX XXXX stating that XXXX XXXX would record a DEED that stated my name would be removed at the request of the loan company. XXXX XXXX stated that they could not locate that document. That document was presented to me in order to release my name from the Deed. The XXXX XXXX XXXX XXXX XXXX has instructed me to contact the escrow company that handled the sale of my property. I explained that I never sold my property or ever received a dime from the escrow company. This is what I was told, in XXXX of 2001 when I added XXXX XXXX as a Joint Tenant I was paid {$75000.00} and on the day that I removed my name from the DEED XX/XX/2001 I was paid {$170000.00}. I explained to the clerk that I only removed my name at the request of the loan company so my property could be refinanced. The amount of the loan was {$170000.00}. The clerk explained that XXXX XXXX would be able to explain the process. I took the DEED to XXXX XXXX and they assured me that the {$170000.00} was for a refinance, not a purchase. The refinance was used for the down payment of a property we were buying and XXXX XXXX released a check in the name of XXXX XXXX. XXXX XXXX has passed away with out a will. This information from the XXXX XXXX XXXX was unknown to me. What happened to the signed XXXX XXXX. What does XXXX XXXX know about the amount of money that the XXXX XXXX claims I was paid. I know I never sold my property or ever received any money from escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

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 2020-07-12
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Full access to my account online has been denied. I request restoration of access to manage and submit disputed online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
inquiries were fraudulently placed on my credit reports from XXXX  XXXX XXXX. my personal information was used fraudulently. the inquiry dates are : 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 2023-03-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 U.S.C.1681 section 602- i have a right to privacy.

15 U.S.C. 1681 section 604A section 2- allows the credit reporting agency to furnish consumer. reports in accord with the written instructions of the consumer to whom it relates.

15U.S.C.1666B- a creditor may not treat a payment on a consumer credit plan as a credit card open-end

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My student loans have been sold/transferred to different servicers several times. The student loan servicing industry is broken - each time the loans are sold, data and information is lost. My current servicers can not even provide me with complete and adequate data to confirm payment history, principal amount, interest rate, incentives. ( XXXX of my prior student loan servicers are now out of business due to fraud and other violations that forced them out of business - and they can not be contacted or left any records either ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit report i realized there is a credit agency trying to collect a debt that i have no knowledge of i have never signed a contract with them nor any of there affiliates

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 2023-08-16
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In 2007 While I had XXXX XXXX my credit cards were used without my knowledge or consent I reported it to the creditor at the time I also filed a police report and provided information as to whom I believed had committed the theft. however the creditor sold the debt to a collection agency who continues to report the debt and renew the debt keeping it on file over seven years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: EQUIFAX, INC.
State: AZ
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 a victim of identity theft. Attached is a copy of my credit reports from XXXX XXXX and XXXX   as proof that the following fraudulent and unauthorized accounts arent my accounts listed on my Equifax credit report : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. The accounts are fraudulent and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2015, I made a XXXX deposit on an Chase ATM machine located on XXXX XXXX XXXX XXXX in XXXX, XXXX a little before XXXX pm. After I was asked to insert the bills, the machine took a long time to process the bill count and then gave me a receipt saying that the atm machine was currently unavailable and a number I should call to report the incident. The number was toll free ( XXXX ) XXXX to which I called immediately at XXXX and then dialed again at XXXX. When I talked to the representative, they told me that the machine would not return any money and that the amount of XXXX dollars would be credited to my account. I did not think much of it and believed it to be a ATM error that had been resolved with this call. On XXXX XXXX, 2015 I noticed there was a reverse credit for this same amount and I contacted Chase Bank in XXXX and they transferred me to the claims department. I talked to a representative that told me that when the machine was serviced they had not found any excess money in this machine and that they had also checked the surrounding ATM machines. To which I responded that I had told them the exact location and machine in which the deposit was made. He said they would open up the claim again and double check if they would find that money. I asked to talk to a senior specialist who did not disclose his full name ( XXXX XXXX in XXXX XXXX ), and pretty much told me that if I had in fact made that deposit, then it would have been found in the machine. I do not know what to do next, I will be going in and talking to my bank supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-19
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I am unable to withdrawal funds from my account for the past 2 months. Coinbase is illegally holding my money. I have spoken to their customer support numerous times and there is no change to my account being locked out. Something must be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
State: NY
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 ) I have sent a dispute to all 3 credit bureaus to delete this account due to it being in violation of metro 2 due to the account number containing a letter..this is a clear violation and they have yet to delete this account in fact i never even received a response to the dispute. i am attaching a copy for your review. 

There are several violations ... this account is closed and all 3 bureaus are reporting terms they are all reporting diffrent days of last payment they are all reporting different dates of last acive 2 are reporting paid and one is reporting closed

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 2020-11-25
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had auto-pay turned on on my account and Chase at some point turned it off. I spoke with a manager and they said they can not tell me when they turned it off. This caused a late payment in XX/XX/2020 because I was relying on auto-pay to pay the bill on time. After speaking with a manager today he hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt in question was billed in error. My employer ( XXXX / XXXX ) offered courtesy services but the service was not coded to waive the monthly fee. I cancelled the service when I found out this was not a covered expense, but the bill lingered for months despite multiple attempts for my employer to correct it. When separated from the company this bill was sold to a 3rd party debt collection company in error as part of a bulk sale of debt accounts because it showed as over 6 months old. My previous employer no longer had access to correct it. When I disputed it with the collection agency they sent me a copy of a bill stating it was proof of the debt, not the original contract or the cancellation docs which were all dated within the cancellation period.

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