BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: SC
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The XXXX XXXX  still holds XXXX dollars from my NJ unemployment money. They added private mortgage insurance adainst New Jersey. So they stole my home at XXXX XXXX XXXX, XXXX NJ XXXX. Got paid then sold the home and got paid again. Muat be nice to be this pank. I also applied for a modiification on my mortagage five times but they never responded. This is a violation of Federal law ' Under the 5th and 14th Amendments no person shall be denied the right of life liberty or property without due prosess.They have been investigated under the RECO ACT. Now I hace tried our XXXX XXXX XXXX. XXXX I will go to XXXX to try toget the word out to as many people. I am a XXXX XXXX XXXX vet. Forced out of my home.

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 2019-12-08
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i monitor my credit with XXXX and the following appears on my credit report.CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX, MI XXXX as an open account. I called them up on phone asking who and what they are and what owed if anything. They asked social security number and then stated they do not have anything with me on their files. who? what? why are they appearing as open account if not knowing who i am? i told them remove your name from my report and was told they do not have to, for me to call reporting agency and do it. 
is that lawful?

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 2021-03-01
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:
The following accounts are not mines, and is effecting my credit files. I have not authorized any of these companies my personal information, so these unauthorized and unknown accounts shall be removed immediately from my report 1. XXXX {$31.00} 2. XXXX {$2100.00} 3. XXXX {$2000.00} 4. XXXX XXXX XXXX {$470.00} 5. XXXX XXXX XXXX {$83.00}

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 2023-07-29
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: Information belongs to someone else

Complaint:
This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX Balance Owed : {$680.00} XXXX  XXXX Balance Owed : {$680.00} XXXX  XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX XXXX  Owed : {$1100.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13
Company: ALLY FINANCIAL INC.
State: DE
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : ALLY FINANCIAL Date of inquiry XX/XX/2021 ALLYFINANC Date of inquiry XX/XX/2021

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 2019-12-08
Company: CAINE & WEINER COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Recently the commonwealth financial group has falsely reported my address the credit bureas as XXXX XXXX XXXX XXXX XXXX FL XXXX which is XXXX XXXX  and is on my my credit report to destroy my reputation. I want this remove immediately and will be obtaining legal counsel if not. The is an act of fraud and must be deal with accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a Chase checking account. On XX/XX/XXXX I received an email notification that a XXXX recipient was added to my account. The email prompted me to pay the recipient and also informed me to contact Chase customer support if I did not add the recipient ( see webmail screenshot ). I did not add this recipient nor did I authorize this transaction. I immediately contacted customer service and logged into my Chase account. I found {$4700.00} was transferred out of my account through a XXXX transaction to the recipient that had been added moments earlier. I submitted a fraud claim and Chase denied the claim suggesting that they could not prove fraud ( see attached XX/XX/XXXX letter ). I appealed and again they denied the claim for the same reason. ( see attached XX/XX/XXXX letter )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They are calling asking me if I know person A. I told them I dated her for three months back in XX/XX/2017 and haven't seen her since. I asked them to not contact me again regarding the matter as I can be no help to them and at this point they are wasting their time and mine. The next day I received a call from the same company asking the same questions. I had the phone on speaker and my current girlfriend was speaking in the background. The caller asked if that was person A and I said no. She then said it was suspicious and concerned her. This amateur detective game she is playing is honestly offensive as she essentially accused me of lying and is a pathetic tactic to try to get someone to work with you.

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 2023-09-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit 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:
Hi I filed a fraudulent charges on my card my card on XX/XX/2023 but the the American express did not cancel the booking and I ended up getting charged. They denied my claim and charged me XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have two accounts, one with the account number ending in XXXX associated with JPMorgan Chase & Co, and the other with the account number ending in XXXX linked to XXXX XXXX XXXX XXXX. Both of these accounts had 1099-C forms filed and accepted by the IRS on XX/XX/2023, and XX/XX/2023, respectively. I recently contacted XXXX to inform them about the IRS-accepted 1099-C forms and the resulting classification of these accounts as taxable income by the IRS. 

I believe it is worth noting that it may be considered irregular for a credit reporting agency to report income. During my conversation with an XXXX representative, I was informed that they can not remove these accounts without validating the accuracy of the 1099-C information with the data furnishers. 

Please advise on how best to proceed in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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: Investigation took more than 30 days

Complaint:
Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX, But bureau reported that I have many addresses like XXXX, CA XX/XX/2022, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/ I purchased {$180.00} worth of Litecoin cryptocurrency with my XXXX XXXX. 
On XX/XX/ I recieved an email from Coinbase stating that payment for my Litecoin order was reversed by my card issuer. 
On XX/XX/ Coinbase restricted access to my XXXX  account with {$3300.00} of my funds locked in the account. I contacted Coinbase customer support about this issue via email and received a reply stating that my case has been " escalated '' and their " subject experts '' will be completing a review of my purchasing power. 
It is now XX/XX/XXXXthere is still no resolution and I have contacted Coinbase customer support three times and have not gotten a response about my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Credit Protection Association, L.P.
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:
There is a item that on my account that is in collections that I have never been aware of. I think it may belong to someone else. I was wrongfully told by this debt collection agency if I was to pay the charge that this would resolve the issue. I would like this collection account immediately removed please or I will proceed with further legal action. Thank you. 


****This is on my XXXX report please remove immediately***** CREDIT PROTECTION ASSOCIATION XXXX Orginal Creditor XXXX XXXX XX/XX/2012 XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2020-01-23
Company: Experian Information Solutions 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:
XXXX  and XXXX  allows companies to place extremely old items on my report. I have had collection accounts that were recently placed on my report that deducted XXXX points. I had it IMMEDIATELY REMOVED my score has never gone back up. They allow XXXX car purchase inquiry turn into XXXX individual inquiries. I know that they are not contacting the companies correctly for my disputes because I have documentation and they tell you to Mail it or call the creditor. I want my credit report to be 100 % corrected. I have been told that I can only dispute something one time. My score NEVER recovers when they allow accounts that are fraudulent or outdated to be placed on your report. I would like a executive to go over my account that SPEAKS ENGLISH VERY WELL. I would like my score done correctly. Including the inquires. They take XXXX points off because of XXXX inquires and when they finally came off I got XXXX points back. This company is solely driven by the companies that pay them to report their accounts. The actual consumer gets roadblocks and data breaches. This company should never be allow to function as a agent for good people trying to succeed in life.

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 2023-03-16
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
1.I have never had an account with this company WYNDHAM XXXX XXXX REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WYNDHAM XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

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 2019-10-14
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On Friday XX/XX/2019 I received a call from Loan Me trying to get in contact with me through my employer. The representative lied to my Human Resources manager and said they need to verify my employment in order to get transferred over to my line. Once I accepted the call the representative asked me to verify my full name address date of birth and last four digits of my social security number over the phone while I was at work and I am not allowed to take personal calls over the phone. She then started to harass me to pay my personal loan because they lowered the payment and when can I make the payment. I explained to her I am at work and can not speak to her about any loan matters but insisted on trying to collect payment. This company calls me over 20 times a day to speak to me regarding a loan I can not pay for due to financial emergencies Ive had to take care of and ultimately cant afford to pay this loan anymore. I called to speak to a manager to see if theres any other option to pay what I can afford but every time I call they hang up or the wait is over 30 minutes and I am at work. I think this business is unfair and they do not have a right to harass me and my place of employment over something I cant afford to pay for. I am seeking to either file bankruptcy in the near future because Im sick of being harassed by this company. Ive reached out to this company and they have a poor lack of communication. Now I received an email trying to harass me to garnish my wages when I clearly stated I can not afford this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Sallie Mae is not willing to work with me and lower my payments. During the call last week I was told they could not help me.

Company response to consumer: Closed with explanation