BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX ( the Fraudster, the Company ) which involved me making deposits for a total amount of XXXX USD from my bank account to XXXX  at the instructions of the scammers

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Peterson Enterprises, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
The date on this is from XX/XX/2016 originally from XXXX and sold to valley empire collections in XXXX Washington the state I live in is a non collection state and I was never once notified if this bill nor advised it was being sold. It is against policy I would like this removed from my XXXX report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 filing this complaint to inform you that I am a victim of identity theft and to request your immediate assistance in investigating and rectifying the fraudulent information that has appeared on my credit report. I believe that I have been a victim of identity theft, and I am providing the following details for your attention : XXXX XXXX ( Original creditor : XX/XX/XXXX ) XXXX. Please delete this account ASAP. I kindly request that you remove the inaccuracies resulting from this identity theft from my credit report. I appreciate your cooperation and understanding in this matter and trust that you will handle this case expeditiously in compliance with the law.

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 2023-12-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act s the credit bureau, 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 an account without my written instructions.

However the credit bureau is reporting XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: BC SERVICES, INC.
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The Debt Collector served me and I am now in the process of defending myself in the XXXX XXXX XXXX XXXX. The first contact I received was through the process service. Since then I have requested documentation and they have not provided and are now filed a motion for Judgement. 

I was not afforded the opportunity to request debt validation nor did I receive any outreach whatsoever in regards to the alleged 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 2017-03-22
Company: Debt Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Upon reviewing my XXXX and XXXX Credit reports, there are XXXX XXXX accounts that have been placed Debt Recovery Solutions for collection. Both of these accounts have an open date of XXXX XXXX, 2014, XXXX with a balance of {$1300.00} and the other with a reporting balance of {$780.00}. These accounts I am unaware of and they do not belong to me. Im also uncertain of how XXXX extremely high balanced accounts can be opened on the same day? I never signed or authorized any services from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: NE
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Dream Center Education Holdings
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
# XXXX The company is collecting on a dept that was I was manipulated into taking by XXXX XXXX XXXX XXXX XXXX XXXX. All of my federal loans has been placed on hold concluding this investigation. I have attached documentation that directly depict me as a victim. I can't afford to pay back the loan as I am a full-time student and work part-time. XXXX is supporting fraudulent activities by forcing me to pay back something my family and I were manipulated into taking. 

Password to access secured document below : 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 2015-11-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A total of XXXX fraudulent accounts opened with Synchrony Bank including Lowes, Home Design, Walmart DC, Old Navy, PayPal, and Amazon. The Lowes account was finally removed from my XXXX report. The Paypal and Amazon accounts were sold XXXX, and they are harassing me for payment. These accounts are not mine!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Kay Jewelery Card Financed by Comenity Bank. 
I opened up Promitional plans. 
The Specific issue is I pay the minimum due and the amount towards the balance to avoid the accrued interest charge. 
At this time I made the minimum payment of {$200.00} in XXXX and {$180.00} towards the balance of the XX/XX/2022 XXXXXXXX XXXX XXXX XXXX Totaling {$390.00}. As of XX/XX/2022 the credit has not been applied. This would close this plan and avoid the interest. I have called several time and spoke to non American CSR 'S who have no clue of how to resolve this. I have asked to speak to Supervisors and put on hold and the call is dropped..no one calls me back. 
I have to resolve this. I'm reporting this because the service sounds fraudulent. 
Why don't they understand what's going on. Why are there no American reps, why is there no higher level of reps to assist me or the confused rep. 
Is Comenity Bank financial fraudulent. I need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: U.S. Collections West, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX Moved into a home in XXXX AZ The home had to many issues paid {$4000.00} to move in told them we were not happy and found a new teamster to rent the place for them to terminate our lease they signed a new lease with a new tenant and said the would refund our deposit and months later did not than said they were keeping it because of a early lease termination fee. Years later they reported that I owed {$3500.00} for repairs to the house rent unpaid? And late fees? We were in the home for two weeks? And it was rented. We found out a new management company XXXX XXXX XXXX  took over the account and reported false information to there scam partners us collection west and they put a collection on all three of my Credit bureaus I was able to remove it from all three bureaus and XXXX and then it showed up again in XXXX during Covid and I still owed because I moved I no longer have all the supporting documents and Ive been trying to work with you as collection last but I found out they are partners with XXXX XXXX XXXX theres no number they will give me to talk to XXXX for proof they gave me an itemize list of false charges that were owed and have threatened me multiple times that they will just keep reselling the debt until I pay. And keep adding collection fees and interest. I am a retired XXXX XXXX Vet. And they know I am trying to buy a house and think they can strong arm me to pay this false debt. 

I have even offered money out of desperation {$1000.00} to remove this 5-6 year old debt collection that is not owed. 

They agreed to XXXX than changed that to {$4300.00} than called and said XXXX and now {$3000.00} ..they are a private owned collection company I spoke to XXXX he threatened me and lied and said he is friends with the owner and said he just called him and will take {$3000.00} but will not give me the number so I can despite the false debt directly with the alleged creditors, I have XXXX  and searched for XXXX XXXX XXXX in Arizona and around the country none exists? That would have properties in Arizona!! 

This is the true to the best of my Knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRUIST FINANCIAL CORPORATION
State: ND
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I contacted BB & T about XXXX week ago around XX/XX/XXXX and again later that day regarding a payoff amount of our vehicle loan, I needed verification sent to me or my other lender showing what the payoff amount is, BB & T was not able to provide me with this information via email or fax, they only could verbally. No lender in history will accept anything verbally when applying for a loan they want to see PROOF which is totally understandable. I called BB & T again today XX/XX/2021 to pay off the loan in the amount of {$15000.00} they told me it would take approximately XXXX days to process, I then asked if they could send me an email showing that the loan was paid in full to me or my lender and they told me that they could not do that either. I have never ever heard of such a thing. This is MY loan and I make the payment every month. I should be able to request any type of information regarding MY loan account when needed. BB & T needs to change there policy regarding this matter along with hiring more employees to answer phones, I waited and hour each time I called for them to tell me I cant get what I need from MY loan account. Seriously the most ridiculous thing ever and I DO NOT recommend anyone to BB & T.

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2023-12-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I believe the account is invalid. XXXX XXXX  XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. XXXX XXXX XXXX XXXXXXXX

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 2021-07-09
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This complaint is regarding my recent loan consolidation with Nelnet. This amidst another complaint at the CFPB XXXX as clearly the issues were not resolved. The application ID is ID : XXXX. I am doing this amidst having applied for a Borrower Defense Discharge based on the rationalization that it will both speed and ease this eventual process and also in light of seemingly parked malicious ediscovery efforts linked to my accounts and uses of these loans by other groups at the Department of Ed for other purposes while those involved plan around using them in a situation where they are actively involved in prolonged privacy and human rights violations and actively seeking to compel my financial destitution and relying on these things in their takeover of projects like copyright XXXX. In my application despite having updated my address and email at multiple US Dept of ED departments including the FSA my address on my consolidation application reflected XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. It also contained my former XXXX email address. As stated I updated this at other departments, Social Security had to confirm and not sure why this not synced. However, I made sure to correct and change this to my current contacts. In my application I included two individuals who are working on my issues due to the unusual nature of my personal circumstance XXXX XXXX from XXXX XXXX and XXXX XXXX of the US Department of ED. I think General Counsel from XXXX XXXX  XXXX XXXX would be someone also. However, I included the correct address which is different from my own. However, despite consciously doing this I received an email from Nelnet indicating I had provided an incorrect address or the same address as my references. Neither were correct statements and it is not clear what is going on but I believe a possibility that my application being sabotaged in light to the issues described in efforts to stall and delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened in 2016 - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of {$1000.00} per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX Equifax ) or you should expect an intent to sue in the mail, because I will have to choice but to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16
Company: PARKSIDE LENDING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My wife and i refinanced in XX/XX/2018, and our loan started being serviced by Parkside Lending in XX/XX/2018 .The mortgage was transferred to a new servicer XX/XX/2018 XXXX XXXX XXXX .We are in the process of obtaining a home improvement loan, and when our credit report came up it appears we have two open mortgage accounts. This incorrect information is causing a credit hardship. The credit report should indicate the Parkside Lending account as closed since it has been transferred to XXXX XXXXXXXX XXXX, our new mortgage provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Santander Consumer USA Holdings Inc.
State: LA
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:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
am willing to settle the overdue payments on my account, and I kindly request that you accept my payment as agreed. I am committed to making a substantial payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2021-07-09
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
Since XX/XX/XXXX I have problems to access my account, so I asked for support on the XXXX, to which they replied that I should make an appeal, so I made an appellation because I wanted to understand why they have blocked my account, as I had only introduced money to be able to use it, to take advantage of to have my savings in a multi-currency account and to be able to make payments when necessary. On the XXXX they answered me they need it more information, but the documents they asked me for were the same I had already sent in the appellation, so I send them again ( picture of me and my ID, picture of my ID with a code number they gave me and the explanation of the appeal ). After they sent me an email that says they have decided to close my account, that they can't give me my money back, and they cant tell me the reason why they have taken the decision. 

After this I have tried to contact the in different ways, call center, social media, emails and the answered is always the same, they cant give me explanation or reasons of what happened with my account or my money. I have XXXX eur in the account and nobody is given me and answer of where is my money, why do they block the account or been responsible to give me the money back.

Company response to consumer: Closed with non-monetary relief