BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-10
Company: JPMORGAN CHASE & CO.
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 are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XX/XX/XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XX/XX/XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XX/XX/XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: EQUIFAX, INC.
State: TX
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:
all credit agencies reporting outdated and fraud accounts not mines : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' ... .REMOVE ALL ABOVE FROM CREDIT FILE ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Applied Business Services, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Theres a collection account from XXXX XXXX XXXX In the amount of XXXX from XXXX XXXX. This debt was paid in XX/XX/2015by the deduction of state tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been having issues with the information on my credit report. 
My only address XXXX XXXX XXXX, XXXX, OH XXXX. 
My Current Employer is XXXX Please delete/remove this following address, I do not live at XXXX XXXX XXXX, XXXX, OH XXXX The following number are not mines please delete/remove ( 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 2020-07-10
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:
I belive there is some fraudulent updates on my credit report on EQUIFAX part. 

On XX/XX/XXXX I sent a dispute a investigation for XXXX changes They received the letter on XX/XX/XXXX The sent me a verification email of starting the dispute on XX/XX/XXXX On XX/XX/XXXX I received an update on all XXXX changes. 
IF I FELT LIKE THERE WAS AN ACTUAL UPDATE I WOULD ACCEPT THAT HOW EVER I DONT BELIVE THEY ACTUALLY REACHED OUT TO THE CREDITORS IN TIME > HERES AN EXAMPLE Via XXXX XXXX it said my missed payments were removed. 
Not one missed payment was removed OR Inquiry. OUT OF XXXX. 
I called 2 of the creditors. THey said they did not receive a dispute from EQ. 
I looked in to the information that was updated. 

One account was XXXX XXXX XXXX contacted them. They said thier last update was XX/XX/2020 HOWEVER THE EQUIFAX update shows and validates : I owe {$22000.00} And I STILL have 2 lates. 

Heres the thing i have proof that as of XX/XX/XXXX I owed XXXX XXXX HOWEVER as of XX/XX/XXXX XXXX XXXX LAST UPDATE I owed XXXX XXXX. EVEN ON XX/XX/XXXX I OWED XXXX XXXX. 

EQ never has current information. SO it looks like they updated their last report on file and called it validated. 
But as I said After a talk with XXXX XXXX they said their last 3 bearu update was sent out XX/XX/XXXX and they did not get an dispute via Equifax. 

So I dug deeper, I called some of the creditors i have inquiry disputes with and they didnt receive any disputes for EQ as well.. 

I also looked in to the date EQ claims some of the information was validated looks like 90 % the creditors called the same day. Which is strange. 
But even still if that were the case their fake investigation updates trying to beat the 30 clock was still off by 3 days. 
They received the certified letter disputing information on the credit report on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Self Financial Inc.
State: AL
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:
Why is self lender reporting a closed account on my report that has been handled. Not only showing the account as open when it is not they are also reporting a incorrect balance. If the loan has been paid off since XX/XX/XXXX and closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This Complaint is about a XXXX XXXX that I bought XXXX XX/XX/XXXX, financially by GMFinancial. XXXX XXXX XXXX Account Type RETAIL Account Number XXXX At the time of the purchase I paid {$2000.00} cash with a monthly payment of {$260.00} for 72 months. on XX/XX/XXXX I wanted to pay off the car. I looked in their website an opened the payoff page I had a total payoff amount of $ XXXX.- with 7 payments to go. I did not agree with the total amount, so I called them. The first called the agent stated that was the total amount to pay off the XXXX. I explained if there are only 7 payments to go the total amount should be {$1800.00}, she talked about interest. I requested the statements since I bought the car on XX/XX/XXXX. She said she will contact another department to mail the statements. The statements never got to the mail box. I called them back, this time the agent explained the same, I didnt understand about the interest and told her I dont owe that amount, she said the information online is different from the one they have in the files. 
On XX/XX/XXXX, I called them again and the same answer, I never received the statements. There are a lot of discrepancies : 1 ) The 7 payments to go were there for about 3 months ; 2 ) In the history account they jump onXX/XX/XXXX, 12 payments to go and on XX/XX/XXXX 15 payments to go-3 payments increased ; 3 ) when I was in monetary crisis I didnt pay the month, but as you will see in the statements I had time when I paid {$500.00} ; 4 ) They never mailed the statements I requested with the {$2000.00} down  payment. As of as today they requested me to pay the car off {$2100.00}, still 6 months to go X XXXX = XXXX and I dont even owe them that amount. This car should be paid off on XX/XX/XXXX AMOUNT FINANCED {$12000.00}, {$2000.00}, cash down payment. AS OF TODAY, I had paid XXXX. 
THEY STILL CHARGING UNTIL XXXX ANOTHER {$1300.00}. I havent made XXXX payment, Im sick, a lot of lab to find out what is going on with my poor health. My income is not the same as before. And I need to get rid of this account, I turn XXXX yrs on XXXX and I dont want this account on my shoulder. 

Thank you for any help with this situation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Fl XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Communication, dated XX/XX/XXXX, was sent to my employer, regarding a debt from 2010. There were several inappropriate and/or illegal statements in their communication. 
1. They state very clearly that they are attempting to collect a debt and go on to list the amount owed and the date of entry. ( FDCPA [ 15 USC 1692c ] 805 ( b ). 
2. The list of questions that they demanded answers to went well beyond what is allowed and included, but not limited to the following : a ) NAME OF MY BANK AND ACCOUNT NUMBER, b ) NAME AND ADDRESS OF CREDIT UNIONS AFFILIATED WITH MY EMPLOYER, c ) LIST OF ANY CURRENT ATTACHMENTS AGAINST MY SALARY, TOTAL NUMBER OF ATTACHMENTS, NAME AND ADDRESS OF EACH CREDITOR AND BALANCE DUE ON EACH ATTACHMENT. 
d ) IF I BELONG TO A UNION, NAME & ADDRESS OF UNIOIN AND MY CURRENT ID NUMBER. 
e ) SSN, job title and department f ) gross earnings 3. The debt is beyond the statute of limitations. 
4. I have never received any written communication from them or an accounting of what they claim I owe.

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 2022-11-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I pulled my credit, and saw that ARS is reporting several accounts on my report. 
Account : XXXX, alleged debt : {$1000.00} Account : XXXX, alleged debt : {$310.00} Account : XXXX, alleged debt : {$1500.00} On XX/XX/2022, I sent ARS a letter requesting the below information : XXXX. Breakdown of fees including any medical charges and collection costs XXXX. A copy of my signature with the providers of service to release my medical information to you XXXX. Cease any credit bureau reporting until the alleged debt has been validated by me. 

I received a letter from ARS dated XX/XX/2022 without providing me the information I requested to validate these alleged debts. Per the HIPAA Collection Laws and FDCPA, the information that I have requested is not to their discretion and/or whatever they see fit, they are to comply, but they chose to violate my rights. So, on XX/XX/2022, I sent them another letter demanding a cease of the accounts and delete them off my credit reports immediately. 

However, I received another letter from them dated XX/XX/2022 completing ignoring my letter and sending me the same generic letter they previously sent that was dated XX/XX/2022. I was asking for validation, not verification. 

I am demanding that they cease collection and delete these accounts off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Issue 1- XXXX XXXX is reporting the same negative account to XXXX twice but, will two different sets of data. 

Issue 2 - Both are wrong as this item was paid and the date of last activity is over 7 years. 

Issue 3- XXXX is showing {$5900.00} charged off with a balance of {$5900.00} and a XX/XX/XXXX for date of last activity Issue 4- Experian is reporting a paid charge off with a date of XX/XX/XXXX. 

NOTE : XXXX XXXX fully removed the derogatory account as they should have because it reached 7 years of maturity

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 XXXX  Accounts XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX have 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 a account without my written instructions

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 2020-01-21
Company: EQUIFAX, INC.
State: TX
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:
Dear Credit Bureaus, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18
Company: FIRSTBANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I suspect FirstBank of Colorado uses deceptive account balance alerts to generate overdraft fees form consumers. 

On XX/XX/2018 I received an alert notifying me that my account balance was {$60.00}. In fact, the balance at the time the alert was sent was {$37.00}. Had the bank accurately reflected my account, I would have immediately moved money over from one of my other 4 accounts and avoided an overdraft charge. The bank has refused to acknowledge its error and refund the overdraft fee. Rather, it stated that it is not responsible for inaccurate information sent in account alerts. I suspect this is by design to churn overdraft fees. 

The bank also sometimes fails to send notices as promised. Sometime before XX/XX/2018 my account dropped below {$100.00}, but the bank failed to send me the account balance alert that I had contracted for. Again, I would and could have transferred money from one of my other four accounts had I received the notice the bank had contracted to send. The bank disclaimed any responsibility and refused to refund the late fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Account Management Resources
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX was paid for laboratory services and added an additional rider to the insurance claim sent to XXXX XXXX. The additional rider was denied and I submitted an appeal to my insurance ( XXXX XXXX ) and a secondary appeal to the XXXX XXXX XXXX XXXX back in XX/XX/XXXX. I submitted the appeals based on the EOB 's received from my insurance denials. I never received a single bill from XXXX XXXX XXXX and I personally verified they had my correct contact information. I even have email correspondence with a XXXX XXXX with her providing an explanation of the insurance rider code to assist with my appeals on XX/XX/XXXX. The rider is a fee attached for professional review of laboratory results that the Dr claiming the fees never personally sees. All labs were taken at XXXX XXXX XXXX and ran on site and returned within minutes. XXXX XXXX XXXX is essentially extorting money from patients outside of what insurance already pays. While awaiting appeal results my " debt '' was sent to Account Management Resources as a collection with a date of XXXX XX/XX/XXXX under two accounts in which I only noticed due to a change in my credit score in XX/XX/XXXX. One totaling {$2800.00} and the other {$400.00}. I have never received a bill from either company for these amounts and I have proof that I've paid the only bill I received from XXXXXXXX XXXX XXXX in the amount of {$67.00} back in XX/XX/XXXX. These debts have never been validated and I was not given the chance to fully dispute the charges or make payment arrangements prior to the debt being sent to collects and to my credit score.

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 2018-07-18
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Around two months ago, I called the credit card team at my bank to request a merchant to be blocked from making further charges to my account. The bank agreed to block any further charges from said merchant and allegedly placed a block. 

Couple weeks later, I discover in my online statement that a large {$25000.00} USD charge was pending to post from the merchant that was supposed to be block. I dialed back and the banks told me to not get concerned since they could see that indeed the merchant was blocked and the charge will not post. 

Unfortunately, two days later I realize that the charge did indeed post into the account, despite of the block. 

I have now went through the bank dispute process and the bank has denied my request to credit the amount alleging that the charge was authorized at the merchant level earlier and that they could not honor the merchant block I requested and they " guaranteed '' they would process. 

Had I known that the blocking process would have not worked, I may have found alternate solutions like closing the account altogether to avoid any unauthorized charges from posting into my account. 

I have been a responsible client of the bank for over a decade, having spent and paid for over $ 1m in credit card charges over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX XXXXXXXX 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, Dept of ed/ XXXX # XXXX, US Department of Edu XXXX XXXX, XXXX  XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2018-08-14
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX To Whom It May Concern : On XX/XX/XXXX while making a purchase at XXXX XXXX, I was given a receipt demonstrating that XXXX was providing services for $ XXXX/month. When I called to inquire the legitimacy of the amount for service, I was verbally told over the phone that yes service was {$19.00}. XXXX asked for my information including my social security and came to install their equipment the same week. 

The following month, I received a bill for {$56.00}, so I called and canceled because as a XXXX  I could not managed {$56.00} and plus they told me it was {$19.00}. So in view of their trickery and deceit, I canceled their service. Three month later, XXXX reported my name for owing them an amount of XXXX for early cancelation fee. First of all, I never signed a contract with XXXX so I was totally unaware of the terms of their service. So when I called to inform them that I was unaware of their terms and requested the contract, they forwarded the attachment document in ( EXIBIT A ). As soon as I receive the document, I realized that someone had forged my signature in their contract which I was seeing for the very first time. I do not sign that gibberish language on their contract. I always sign my name in cursive as you may see in my XXXX Lease Document ( EXHIBIT B ). Since then, I have gotten married but my signature style has not changed. I still sign my name the same way, simply in cursive writing. Please see ( EXHIBIT C / D ). 

In addition to forging my name, on XX/XX/XXXX ( 3 years from the date I last received service ). XXXX sold the debt to XXXX XXXX a new debt on my credit report. 

Please see attached : XXXX Contract with fraudulent signatures Apartment Lease with my Original Signature Drivers Liscence Signature / Social Security Signature Police Report of fraudulent signatures Than you in advance for investigating this matter.

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