BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I believe the confusion started when Chase took over Washington Mutual. After that switch I was never informed about my old account. I just started recieving letters from Chase from what I can remember. I was confused because I was n't aware about the switch so i did n't think to pay Chase anything. On Thursday, XX/XX/XXXX, the United States Office of Thrift Supervision ( OTS ) seized XXXX XXXX XXXX from XXXX XXXX , XXXX. and placed it into receivership with the Federal Deposit Insurance Corporation ( FDIC ).  The OTS took the action due to the withdrawal of {$16.00} billion in deposits during a 9-day bank run ( amounting to 9 % of the deposits it had held on XX/XX/XXXX ). The FDIC sold the banking subsidiaries ( minus unsecured debt and equity claims ) to JPMorgan Chase for {$1.00} billion, which JPMorgan Chase had been planning to acquire as part of a confidential plan internally nicknamed Project West. All XXXX branches were rebranded as Chase branches by the end of XX/XX/XXXX. The holding company, XXXX XXXX , XXXX., was left with {$33.00} billion in assets, and {$8.00} billion debt, after being stripped of its banking subsidiary by the FDIC.The next day, XX/XX/XXXX, XXXX XXXX , XXXX. filed for Chapter XXXX voluntary bankruptcy in Delaware, where it was incorporated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: MI
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:
I had insurance with XXXX XXXX in 2021. I was involved in an accident in XX/XX/2021, and submitted a claim to XXXX XXXX. After having horrible issues with the claims process, I CANCELLED my policy with XXXX XXXX effective XX/XX/XXXX. I switched my insurance to XXXX XXXX. XXXX XXXX DOES NOT allow you to adjust your policy online. I called XXXX times and spoke to a person EACH time and cancelled my policy. Yet, XXXX XXXX continued to keep insurance on XXXX of my vehicles ( the one that was in an accident ), even though I cancelled it XXXX times. Now, XXXX XXXX XXXX is attempting to collect on this alleged, disputed account when I DO NOT OWE XXXX XXXX a dime. They have placed it on my credit report, which has dropped my score over 60 points, and I have PERFECT credit. I am in the middle of a refinance on my home, and this is preventing me from closing. And I am unable to dispute this account with the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had insurance with XXXX XXXX in 2021. I was involved in an accident in XX/XX/2021, and submitted a claim to XXXX XXXX. After having horrible issues with the claims process, I CANCELLED my policy with XXXX XXXX effective XX/XX/XXXX. I switched my insurance to XXXX XXXX. XXXX XXXX DOES NOT allow you to adjust your policy online. I called XXXX times and spoke to a person EACH time and cancelled my policy. Yet, XXXX XXXX continued to keep insurance on XXXX of my vehicles ( the one that was in an accident ), even though I cancelled it XXXX times. Now, Credit Collection Services is attempting to collect on this alleged, disputed account when I DO NOT OWE XXXX XXXX a dime. They have placed it on my credit report, which has dropped my score over 60 points, and I have PERFECT credit. I am in the middle of a refinance on my home, and this is preventing me from closing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law, effective XX/XX/2017, any public record data must include name, address, dob, and ssn in order for it to appear on your credit report. The credit bureau has not updated the information, and per the new law a true bankruptcy that is listed must include this information or be deleted from my credit report.

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have tried on multiple occasions to obtain investigation documentation that verifies the validity of the XXXX charged off accounts that are being reported by XXXX XXXX XXXX I have screen shots that show how the accounts list multiple different dates for " date of last payment '' and now today, as a result of a dispute I conducted with XXXX - XXXX charge off is showing 90 days past due XXXX times when it used to list XXXX. This has dropped my credit score XXXX points. Aside from that fact that this seems like retaliation, if that information was factual it should have been included in the reporting when the account was charged off over 6 years ago. Both of these accounts should be removed from all three credit bureaus or XXXX XXXX needs to send their investigation results/verification of the debt directly to me. This company is a predatory lender and can not just send template responses to what is a simple request- where is the proof that this debt belongs to me and why are there multiple reporting discrepancies across the three bureaus?

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 2017-09-16
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:
I am one of many consumers whose personal information was exposed to illegal hacking of Equifax 's data. Equifax needs to be held accountable by the CFPB and provide consumers long-term protection for abuse of consumers ' personal information and credit. Equifax officers need to be prosecuted and fined for the delay of public disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Zakheim Law Group, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has filed a garnishment for a debt that is not in my name. 

This was resolved around XX/XX/XXXX or XX/XX/XXXX. 

They have now Garnished my bank account for a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on the file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that have been disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Persolve, LLC - Legal - Series 2
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is showing up multiple accounts in the same month.ive contact the company and they refused to send me proof with identity and signature from me.the account 's do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX # XXXX : XXXX XXXX XXXX I have received two checks from USAA Federal Savings bank. There was no explanation of what they were for, how they were calculated, or what issue they were intended to rectify. A representative from USAA identifying himself as, XXXX, attempted to contact me on my cell phone and left a voicemail. I have repeatedly told representatives of USAA not to call me on my cell phone. Is he even supposed to be contacting me personally? The checks sent do not cover the expenses that I have requested in my previous complaints. I have enclosed the documents for the extra expenses I was forced to incur on the advice of the USAA representative I had spoken to on XX/XX/2018 at XXXX CST.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Uplift, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
in XXXX an account was opened with the company Uplift , inc a loan company, and a loan of $ XXXX was taken out using my name, social security number, and date of birth. I was unaware of this account until XXXX of XXXX and since then have tried to dispute the account with XXXX to no avail. I have also contacted the debt collection agency, ( XXXX XXXX XXXX XXXX ) that is now in charge of the account and they have only offered to reduce the balance owed forcing me to pay off a fraudulent account in order to have it removed from my credit report. 

Contact info for XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Nelnet, Inc.
State: OK
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:
My concern is that I was recently informed by Nelnet that I do not qualify for the Public Service Student Loan Forgiveness Program. I have been a XXXX XXXX for 10 years beginning in XX/XX/XXXX, and therefore have made over 10 years worth of student loan payments to Nelnet. I consolidated my student loans in XX/XX/XXXX when I graduated from XXXX XXXX. 

I was told that I do not have the right type of loans to qualify for the forgiveness program. This comes after YEARS of understanding that I would qualify for the program. Nelnet has recently indicated that the only way for me to qualify for the forgiveness program is to re-consolidate my student loans and make 10 more years of payments since none of my previous payments would qualify. 

I feel like Nelnet and the Federal Government has mislead me with an understanding that I would qualify for the forgiveness program. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Currently reported to collections an account older than 8 years old. Card amount is settled on my XXXX XXXX report original creditor XXXX XXXX. {$700.00}. XXXX XXXX XXXX was paid {$700.00}. In 2015. Basically, I have had this account already removed and settled on both my XXXX XXXX and XXXX  reporting agencies. Simply due to the age of the account it should my show up as new without my receiving the paperwork needed to settle this account. I requested the paperwork be sent to my home on the date it appeared on my account. So far nothing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
One Main Financial has been calling my cell phone in attempts to speak to me about past due payments. They have left several messages and call 2 to 3 times a day. They obviously have my personal information and had an old work phone number on file. I work for a XXXX  XXXX and am an XXXX in the XXXX XXXX where we do not take any customer phone calls. 

One Main Financial called my place of employment and impersonated being a mortgagor needing to speak to me to obtain my new work number. They contacted the main branch located in XXXX, KY and spoke to XXXX XXXX, the front desk receptionist and advised that they were a XXXX names XXXX and needed to speak to me as I was handling their XXXX. She contacted me directly to see if I was expecting a direct call from a XXXX  and when I advised no, she said that they hung up. They then contacted the XXXX 800 number for Customer Service and impersonated again being a XXXX and advising that I was working on their XXXX ( which I do not do ) to try and obtain my information. Someone in Customer Service did in fact give them my work number in which they started calling several times for several days. I called and left a voicemail with them and advised that they did not have permission to contact my place of employment. 

One Main Financial used deceitful tactics to obtain information as well as harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and they will not help me with this. 
I am not sure if this is some their mistake as I assume it has to be. 
It's been a month and no clear solution that they offer or willing to assist me on what to do. So I remembered that I could file a report here as I they are not doing their job properly and it is effecting me as great deal as I used Paypal very frequently. My email linked to paypal is XXXX. Hope that you can help me.. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am extremely frustrated I have had these accounts on my report I have dispute these inaccuracies with the credit bureaus as well I read somewhere that if you dispute something and its not verified within 30 days it has to be removed also there was false and misleading information and regards to these creditors trying obtain payments from me which is against the XXXXa please look into this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: SYNCHRONY FINANCIAL
State: MI
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 so many inquary in my credit report, which was incorrect.I did n't recocnize that kind of inquary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
ON XX/XX/XXXX BANK OF AMERICA ILLEGALLY DEBITED XXXX FROM MY CHECKING ACCOUNT FOR TRANACTIONS I HAD PREVIOUSLY DISPUTED AND THEY HAD CREDITED ME FOR ONLY TO TAKE BACK THESE VALID TRANSACTIONS I HAD DISPUTED. I HAD SUMBITTED PROOF AND THE BANK MANAGER HAD VERIFIED THAT MY INFORMATION IS ACCURATE. THIS IS DISTURBING AND BANK OF AMERICA IS ENGAGING IN UNETHICAL AND EGREGIOUS BANKING PRACTICES.

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 2019-05-03
Company: Hughes Acceptance Corporation
State: KY
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 had a auto loan {$13000.00} for a XXXX XXXX financed for 60 months through Hughes Acceptance Corp. in XXXX, KY. beginning XX/XX/2014. This has been paid off but the company has not reported any of the payments or that was paid off to the credit bureau.My credit report still showing I owe the {$13000.00}. I have contacted Hughes Acceptance several times to update my credit report but they have failed to do so. This has caused me not to be able to get another car loan in the past couple of years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Atlas Credit Company, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been getting constantly harassed by the company whom goes by the name " Atlas Credit CO. , INC. ''. They've used aggressive and illegal tactics by showing up to my home and banging on the door ( a neighbor witnessed this through the peep hole ) This is a direct violation of the " Fair Debt Collection Practices Act '' section 806 Harassment or abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: EQUIFAX, INC.
State: CT
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:
In reference to my Equifax Credit Report # XXXX which is in response to my dispute to four accounts of XXXX  XXXX, XXXX AUTO and XXXX that reflect INCORRECT payment history ( I had automatic payments ). As such, my financial integrity has been tarnished and I have been DENIED CREDIT due to these NEGLIGENT ERRORS!! Equifax is just going thru the motions to " verify ''. If they did a proper verification, then these errors would be fixed since errors were fixed on XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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 status incorrect

Complaint:
I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the XXXX XXXX Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file and listing incorrect payment history ( late payments ) without my permission is a consumer law violation per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are accounts opened that are either not mine or reporting incorrectly in the negative. There are several unauthorized hard inquiries that I have no knowledge of nor did I give consent for that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: EQUIFAX, INC.
State: MI
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 XXXX of 2017, Equifax revealed that they had allowed my personal data and that of 143,000,000 other American credit holders to be compromised through inadequate security measures and pure negligence. Because of their gross incompetence, my family, friends, and myself have all been prompted to take measures to lock down our credit reports. That this breach was easily preventable through the simplest security measures is almost more damning than the fact that the data itself, essentially the digital identities of virtually every adult credit-holding citizen of the US, was able to be extracted in a usable state! This has the potential to negatively impact so many people on a personal level as well as to open the door to malicious actors who wish harm to our nation and its people. Few penalties could be too severe in this circumstance. Those in authority at Equifax should be held criminally liable. There should also be a review in Congress to publicly identify those legislators most closely tied to and benefiting from the Credit Reporting industry, as this level of blatant disregard for the well-being of the average citizen should be punished.

Company response to consumer: Closed with explanation