BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I learned a few months after this debt collection agency reported to XXXX   that I do have a record of debt collection on my report. There were 3 separate records by USCB for various amounts ranging from {$61.00} to {$260.00}. The original creditor is XXXX XXXX. 
I immediately disputed all of them since I didn't go to XXXX for the last 10 years. My insurance is XXXX XXXX through my employer. XXXX  resolve 2 of the 3 disputes and kept one of them, for {$260.00}, saying " The company that reported the information has certied to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. ". There are no details to review, I can't see how they " certified ''. I've never received a debt collection attempt in the mail, no phone calls. I have no way to contact USCB since they don't list an email or phone number on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Experian Information Solutions Inc.
State: MO
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 credit report has so many incorrect accounts reporting to my file, unknown and unauthorized accounts inwhich I'm writing to be removed immediately, or the three ( 3 ) major reporting agencies must delivered to me a physical certified signed contract that validates their reporting. These accounts are not mines and I would appreciate if they were immediately deleted. Account # 1, Missouri XXXX XXXX {$6300.00}, Account # 2, XXXX XXXX XXXX {$440.00}, Account # 3, Missouri XXXX XXXX {$78.00}, Account # 4 XXXX XXXX XXXX XXXX {$2600.00}, Account # 5, XXXX XXXX {$820.00}, Account # 6, XXXX XXXX  {$120.00}, Account # 7, XXXX   {$670.00}

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 non-monetary relief
Consumer complaint received 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 credit report has so many incorrect accounts reporting to my file, unknown and unauthorized accounts inwhich I'm writing to be removed immediately, or the three ( 3 ) major reporting agencies must delivered to me a physical certified signed contract that validates their reporting. These accounts are not mines and I would appreciate if they were immediately deleted. Account # 1, Missouri XXXX XXXX {$6300.00}, Account # 2, XXXX XXXX XXXX {$440.00}, Account # 3, Missouri XXXX XXXX {$78.00}, Account # 4 XXXX XXXX XXXX XXXX {$2600.00}, Account # 5, XXXX XXXX {$820.00}, Account # 6, XXXX XXXX {$120.00}, Account # 7, XXXX  {$670.00}

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 2021-05-07
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
In response to 1st complaint ID XXXX. In the letter response sent by XXXX XXXX they state that my credit is updated/ reported monthly. Which is not true, as stated on my credit report. My account still shows past due as of XX/XX/2021. They have not fixed the issue and its affecting my credit score. They are failing to report the accuracy on my account. None of my XXXX payments are reflected on my account. Again my account is paid ahead and not behind. I have attached my account reports as of XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: BMW Financial Services NA, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This letter I am writing is to request that your company stop reporting an account that says it belongs to me, this account was opened without my permission and without my authorization. I request your company to block it from its collection systems and stop reporting this account to credit agencies. That is hurting me a lot. 
The account is : BMW FINANCIAL SERVICES ACCOUNT NUMBER # XXXX The information contained in this account is reported negatively in my credit report, With this complain I want make it clear that this account is not related to any participation made by me. Such transactions are the result of identity theft. 
Block this information from your files and send the required notice to all credit bureaus to stop reporting this account that does not belong to me. In addition to the fact that you are reporting an account opened for fraud, as you should know that it is illegal and wrong for you to report an account that can not be verified and incorrect information reporting under my name and my social security number, I have every right to request and require that these fraudulent accounts be blocked immediately. Pursuant to Federal Laws that protect me as I am a victim of identity theft and I provide a police report and all documents required by law to support this fraud, sections 605B and 611 of the Fair Reporting Act, which state that Your company must block fraudulent information from my credit report that is the result of identity theft within 4 business days and that you must immediately notify those who have my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
On XX/XX/2022 I called Equifax to let them know they are in violation of their own Data Sharing Policy. They assured me that they WERE in violation of their Data Share Policy and the 2 accounts would be deleted within 72 hours. I confirmed over the phone with XXXX XXXX, Id # XXXX that Equifax was indeed in violation of their own Data Share Policy, and these accounts would be marked to be deleted in 72 hours. I confirmed AGAIN these accounts would not be put into " dispute '' but would be DELETED and she confirmed YES. The accounts were put into " dispute '' status without my consent, and then were marked as " validated '' with no documentation of my permission to report my personal and private information. Equifax 's Data Share Policy states that they have permission to report a consumer 's personal and private information because they obtained permission through the Lender. I do not remember being explicitly offered the option to opt out of having this information shared. I have requested that Equifax provide the documents from the lender that their Data Sharing Policy states they keep on file, to prove they have permission to share this information. This is a violation of my privacy and consent pursuant to 15 USC 6802 ( b ) ( 1 ). I was never given the option to opt out of having this information shared. AND I DO NOT recall being explicitly and clearly explained that I would be opting in to this information. And If I did, Equifax says they have those documents on file, and their Data Share Policy states that they can provide that to a consumer on request. I have requested it, and was denied it several times. I DO NOT want these accounts to be " investigated '' or put into a " dispute '' process. I have provided all the necessary documentation and Equifax has YET to prove that they do in fact have my express permission to report these accounts, which they do not. They need to be removed expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am writing to request assistance regarding my student loan. My student loan started in XXXX at XXXX and is now over XXXX. My current payment is over XXXX. Since XX/XX/XXXX, I have paid {$4400.00}. Out of {$4400.00}, only {$310.00} has been applied to the principal. There is no way that this agency or Navient, can think that is fair or acceptable. At some point, there should be an acknowledgment that this should not be allowed. When I was struggling financially, I was never told about income-based payment plans. I was always placed on forbearance. I filed for bankruptcy in XXXX and the loan was not included. I am asking for assistance in either loan forgiveness since I have been paying for over 25 years or loan reduction. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a loan with BANK OF AMERICA, N.A. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BANK OF AMERICA, N.A. and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and BANK OF AMERICA, N.A. with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.

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 2019-04-23
Company: SYNCHRONY FINANCIAL
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:
I was born XX/XX/XXXX This account was opened XXXX by my Father who has the same name. 
I was only 5 at the time the account was opened. 
Its more than 9-10 years old ( the acct ) and is closed/has been.

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 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, TransUnion and XXXX XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, TransUnion only reporting me 30 days late. There was an error on their part. I was never 30 days late.

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 2019-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a loan with CAP1/XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAP1/XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and CAP1/XXXX with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Shellpoint Partners, LLC
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: Information is missing that should be on the report

Complaint:
Since acquiring my mortgage about 8 months following bankruptcy, the collection agency refuses to provide me with any form of monthly statements showing payments made, and the amounts posted to principal and interest. In addition, they keep over-charging for the equity loan. Then too, they've apparently refused to provide me with the Federal Form 1098 for interest they've received from me for the first mortgage, but have for the second or equity loan, for both XXXX and XXXX tax years. Have requested, then demanded copies of monthly statements for both accounts yet receive the equity loan statements only.!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is in regards to a debt that has been on all three of my credit reports since XXXX. 

I have sent countless letters to LVNV Funding, LLC c/o Resurgent Capital Services asking them to provide me with a copy of a SIGNED copy of a contract exclusively between me, XXXX XXXX, and LVNV Funding c/o Resurgent Capital Services stating a payment contract for repayment. 

This debt was originally held by XXXX XXXX XXXX. The debt was then sold to several different collection agencies over the past few years before being transferred over to LVNV Funding LLC c/o/ Resurgent Capital Services. I have sent correspondence ( via certified mail ) asking this company to provide me with a written and signed contract. To this day, I still have not received these documents. Every time I request this documentation, they send me a statement. 

I have sent letters to this company on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I learned on XX/XX/XXXX, from USAA that On XX/XX/XXXX, a USAA credit card application was initiated and approved using the USAA member number XXXX in my name XXXX XXXX XXXX for an individual account that I did not open. This XXXX card required a USAA member number that I did not know, nor did I ever know I had. It reported a monthly income of XXXX which is not accurate. I was unaware that I had access to a different XXXX USAA credit card with a XXXX limit. The XXXX USAA card was opened jointly in XXXX and approved using my income, but without my knowledge or consent using the same member number. On XXXX XXXX, XXXX, The records show a change of address for XXXX XXXX to XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX VA. The same member number was used on the same day for this new application with a XXXX credit limit. There are 2 drug purchases on the initial XXXX approved XXXX USAA attached to my name. Those RX prescription drugs were purchased in XXXX and XXXX from XXXX Florida for a total of XXXX. In addition, a highly suspicious XXXX balance transfer and unknown cash advances were purchased on the card opened in XXXX. The joint USAA account was open for over 10 years after the first application using my name and XXXX income, was closed in XXXX on the same day of this fraudulent activity. This number is associated with veteran XXXX, XXXX XXXX, and her ex-husband XXXX XXXX. A check for XXXX from USAA was sent to XXXX XXXX on XX/XX/XXXX? Why? Is this part of fraudulent activity?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: JPMORGAN CHASE & CO.
State: NJ
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 have a loan with Jpmcb Card. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and Jpmcb Card with no successful resolution. XXXX only reporting me late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: TD BANK US HOLDING COMPANY
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a credit card with NORDSTROM/TD BANK USA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called NORDSTROM/TD BANK USA and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and NORDSTROM/TD BANK USA with no successful resolution. XXXX   only reporting me 30 days late. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: JPMORGAN CHASE & CO.
State: MD
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 sent a check to Chase Card Service, my check was from my account with XXXX. I received my monthly cedit union statement which shows that the check cleared my account. I called Chase credit card service to make sure that my account was up do date and i asked them what was the amounts that they received from me for the last 3 payments. I was told that they never received my check for {$100.00} dates XX/XX/19. I told the Chase Bank representative that my check cleared the credit union XX/XX/19. I was told by a Chase Bank representative to go to the credite union, get a copy of the back and the front of the check which i allegedly sent to Chase Bank. Chase Bank gave me a credit of the {$100.00}, they said that they would do an investigation on their end. I went to the XXXX  on XX/XX/19, one of the XXXX representatives gave me a copy of the front of the check, bowever she was unable to give me a copy of the back of the check. The XXXX representative also gave me a XXXX   tranaction letter with the XXXX letterhead which shows that check was cashed by Chase Credit card services. I faxed all of the XXXX documents on XX/XX/19. I called Chase Bank XX/XX/19 to inform them of the letters which i faxed to them. I also explained to Chase Bank that the XXXX representative was unable to give me a copy of the back of the check. A Chase bank supervisor told me that they still need a copy of the back of the check to verify that the check was sent, and that they need to see the information on the back of the check. I became upset, i told why do i need to keep running back to XXXX, i told the Chase bank representative that someone from their company cashed my check because you can clearly see that it went through my credit union bank. I do not believe that Chase bank managers so not believe anything that i told them about the check chich i sent them. They dis not inform me about the documents which i faxed to them to verify that the check cleared my account. At this point i feel like if i was not an XXXX XXXX, they would not be giving me such difficulty. Someone from Chase bank cashed the check which i sent to them on XX/XX/19. I believe that they are doing any sort of investigation on their part. It is my belief that some sort of fraudlent activity is going on with Chase Credit Card service. I am asking you if you can please help me, i am very sad that all of this is going on. I do not feel like i am a valued customer and i have done everything that was asked of me by chase, however they still continue to believe that i dis not send a chexk to thwm last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I recently opened a XXXX store charge card. I used the card and attempted to make two payments which were returned. I put in the wrong bank account number when making the payments. Upon discovering that I had done this I promptly sent a replacement payment which posted to the account. I actually overpaid the account which resulted in a credit balance. XXXX/TD Bank closed my charge account. I called XXXX  to ask about opening the account again and the agent told me I would need to send a letter to XXXX asking for the account to be opened. I sent the letter and then called again and I was told that it wasn't possible and that I would need to reapply. I don't want to re-apply and hurt my credit score and by opening an account and immediately closing it XXXX  is hurting my credit score. I have had no material changes in my credit since XXXX  first opened my account and I've paid the balance in full demonstrating that I had the funds to pay it.

Company response to consumer: Closed with explanation