BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-14
Company: Broward Adjustment Services
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter under my XXXX XXXX XXXX daughter name. It says that i owed XXXX XXXX I called to BAS company, and they said that money is for a blood test made on XXXX XXXX last year ( 2021 ) to my daughter. 
My daughter has never had blood drawn. 
She had XXXX as medical insurance and a while ago XXXX. 
I need somebody to remove this because this debt doesn't below to us.

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 2022-06-14
Company: Ability Recovery Services, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX was a school i was attending to online for a month. After the one course was over they decided to update the website and would not work with my XXXX that i just purchased in order to attend school because they said that will work for all classes. Once the update was done i could not attend to any part of the classes, i could not get to any part of the class work or homework. I was unable to take exams. I reached out to them many times to state that this was happening and all they told me was to go purchase a laptop. I decided after that to withdraw from the entire program within their tie period of dropping the program so i do not owe money. They continue to charge me, even when they knew i was not attending. I have also emailed them say i should not be charged because i withdrawn within the appropriate time frame given. From there they sent everything off to collections without proper acknowledgement that that was happening. No phone call, no email, no written statement. I have been trying to get this written off my collections and gone because i have no knowledge of the collection and should not owe a school any type of money.

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 2018-06-03
Company: EOS Holdings, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
This debt doesnt belong to me someone used my information and they didnt pay for this and now its on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: TX
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:
Between XXXX XXXX and XXXX of XXXX, Equifax was hacked and released significant information about my credit history through negligence. My credit is now at risk due to the companies failure to adequately protect my private information and now I will be forced to pay for monitoring my credit in order to avoid having my identity and/or credit stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: GreenSky, LLC
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Someone from XXXX XXXX XXXX came to our home and asked to do a evaluation of our bathroom and see if we qualified for a bathroom remodel. They gave us paperwork on a quote of what it would cost and asked us to sign it. Six months had elapsed when we received a call from GreenSky advising we had defaulted on our loan and it was now due in full {$20000.00}. We advised GreenSky that we had not received nor had we ever signed up for a loan with them. We never received any paperwork or any services from XXXX XXXX  XXXX  or GreenSky.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
creditor letters are attached for the removal of the delinquencies, i have already send the letter to the bureaus to have them removed but they are not cooperating please help me to remove these inaccuracies from my credit report. 
thank 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 2022-01-14
Company: SYNCHRONY FINANCIAL
State: MD
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 never applied for paypal

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 2021-08-13
Company: JPMORGAN CHASE & CO.
State: NJ
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:
FRAUD ALERT : Proof of COVID deferment was submitted by Chase. XXXX REFUSES to review official letter. FCBA IS NOT RESOLVED as indicated in letter from XXXX XX/XX/2021. Which is contrary to XXXX ' results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I received a piece of mail that resembled a document from Bank of America. I was suspicious of the piece of mail because I do not have a Bank of America bank account nor have I ever opened a bank account under my truncated name. I also noticed that the mailing address was a PO Box # and in the letter it was asking payment to be sent to another PO Box # that was different ( XXXX vs. XXXX ). Please see the attached photo. To test the phone line, I called the number listed and it goes through a fairly believable automated system that you are able to input the last 4 digits of a fabricated account number - which I checked against a real Bank of America automated system. The fake automated system would eventually forward the call to someone who claimed to be in some sort of card member services. I hung up after reaching someone and did not speak with them. A real Bank of America automated system will give the option of using your account number or 4 digits of your social and is noticeably smarter and faster in processing. I checked the number listed in the letter and my social and thankfully an account was not actually opened under my name at Bank of America. I  wanted to bring this sort of scam to light because I feel like it has the feel of authenticity because of the automated system. It might seem fishy but others may be duped thinking that because of the automated system that then directly puts you in contact with a representative seems real enough. Thank you for reading.

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 2020-02-26
Company: Experian Information Solutions Inc.
State: NM
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 co signed on a loan for a friends motorcycle. He wrecked the bike and insurance paid out the balance. He got XXXX and there was apparently an amount that wasnt paid by insurance and it went delinquent for 180 days. Nobody ever contacted me about this and its reflecting poorly on my credit report and preventing me from qualifying for a home loan. I tried to dispute it and experian told me I was wrong. I just recently was informed they have to be able to prove that I was contacted for this to have it on my report, and since I wasnt contacted they cant prove that. So I wanted to get it off my account now so I can buy a house.

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 2021-06-25
Company: American Credit Acceptance, LLC
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Bought a car through XXXX had no problems until the pandemic hit. Hours where lowered in XX/XX/2020 I contacted American Credit Acceptance about diving up my payments. When I did this a payment was missed they never contacted me. When I tried to work out a plan their plan was to pay the amount they wanted and nothing else. The car went to repo XXXX said they would help me refinance if I got it out. I got it since then I have split the payments they are charging me {$11.00} a day in interest the principal has not been paid on at all. The contract set the interest at 28 % yearly. They took this loan knowing I had a low credit score when I ask why they didnt refuse the loan there is no answer. I cant refinance the car because the principal is still so high ACA doesnt refinance they wont work with me plus there records are not accurate. At this point there are 61 payments left they say the car will be paid off. It is because is going that interest I have paid {$5100.00} in interest. I have asked for a statement detailed they failed to send it. When I call they have different people who tell you one thing others tell you another. One person told me they had the right to do something I alter find out they didnt clear it through a supervisor this is wrong.What they post on line is different from the statements sent in the mail. This is also confusing and wrong. I feel they are scamming me on my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 2022-06-14
Company: Early Warning Services, LLC
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX XXXX  closed out my checking account because of an issue with a merchant I purchased computers for my business the merchant did not deliver or claimed the packages got lost so I then did a police report XXXX temporary credit my checking account I was bale to take the funds from the bank and went on to purchase my items with the funds after submitting the police report and all the substantial evidence XXXX XXXX  still ruled that my account was not to be permanently credited closed it out at a negative balance and then sent me to collections. I then applied for a XXXX XXXX XXXX XXXX account because now that my account is closed I need to do banking else where XXXX XXXX XXXXXXXX as sent NEGATIVE INFORMATION OF FRAUD to EARLY WARNING and until this is corrected they will not do business with me I have attached all the evidence after reaching out to EARLY WARNING they ruled to stand by XXXX XXXX and found no error. Please Help ME rectify this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Honestly Im not sure what this medical bill is for & why it would be this high..I have not had insurance in years & when I do go to the er its because I have no choice..Ive gone thru a divorce & mich worse than  that which I will not go into detail ... Im trying so hard to pay my bills & fix my credit being I cant even rent a place because of mostly medical bills effecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: AMERICAN EXPRESS COMPANY
State: AZ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased two items from XXXX using my AMEX credit card. One was to be delivered on XX/XX/2022, and the other to be delivered on XX/XX/2022. Both of these packages had signature confirmation, so I figured everything should be fine and USPS ( the carrier ) should get everything in order before handing the packages off. 

Both statuses were updated to " Delivered to Agent for Final Delivery '' which I had never seen before, but after looking it up, it's used for when someone else accepts your packages, i.e., apartment complex, business, etc. This was weird since I live in my house alone and nobody is accepting packages for me. I waited in case the delivery driver made a mistake, but I did not receive it at the end of the day. I reached out to my neighbors and my local post office to see if they were there and they weren't. 

I contacted my local post office to get a proof of delivery, since this package had signature confirmation and it was delivered to an " Agent, '' I figured I'd be able to find out who received my package. Instead, I found that the " Actual Recipient Name '' and Signature on the proof of delivery were not real at all. The names weren't even names and the signatures were just circles. I've attached both proof of delivery 's for these packages. 

When I contacted XXXX ( the merchant ), I was told that the tracking numbers showed as delivered, so I was out of luck. With this, I contacted AMEX since the merchant wasn't helping me to resolve the issue. I created the disputes and I thought everything should be fine. 

However, both the disputes were closed in the merchant 's favor with the merchant providing the same proof of delivery with the fake names and signatures. I brought this up to AMEX again and was told that I should contact the merchant instead. 

I'm trying to understand how the proof of delivery provided is being accepted as proof when the names are not even names and the signatures aren't real at all and USPS accepted those and handed the very high valued packages off to whoever received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. XXXX account # XXXX, XXXX XXXX XXXX account # XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have tried to modify my HELOC with Chase, which is almost 8 % interest rate. I have applied over and over ( see attachments ). Chase has told me a variety of things, all which were never true. I have a phone recording of a Chase representative being very rude and leaving too much information, some of which was wrong, on my answering machine. I have also written to the home office. But it was a Chase customer service representative that told me to file a complaint with CFPB. Many of the representatives, along with myself, could not figure why Chase would not modify a HELOC loan with a less interest rate. Now Chase wants me to file legal separation from my husband in order for them to look at my file. 

I have submitted my complaint before ( XXXX ), but did not have the attachments and after reading Chase 's response, I felt that I needed to add the attachments to clarity my stance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: AZ
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:
XXXX 2017. Equifax lost 143 million SS # 's, dates of birth and names, mine included. Force Equifax to pay for credit freezes/unfreezes at all credit reporting agencies for the next 50 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Alabama Housing Finance Authority
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Initiated a request by phone on XX/XX/2020 to stop the preauthorized electronic draft to pay my XXXX mortgage payment. Was told that I needed to stop this 6 days prior to XX/XX/XXXX draft date ( XX/XX/XXXX is Sunday, draft would go out on Monday ). 

From my reading of the EFTA, I can give this revocation orally 3 days prior to the electronic draft. On follow-up with the company, I was told that oral requests are not taken and I would need to send an email which may or may not stop the funds transfer. 

In speaking with a supervisor, I was told their policy was not to accept oral requests to stop payment, which is also not compliant. 

Electronic Funds Transfer Act 1005.10 ( c ) Consumer 's right to stop payment ( 1 ) Notice. A  consumer may stop payment of a preauthorized electronic fund transfer from the consumer 's account by notifying the financial institution orally or in writing at least three business days before the scheduled date of the transfer. 

( 2 ) Written confirmation. The financial institution may require the consumer to give written confirmation of a stop-payment order within 14 days of an oral notification. An institution that requires written confirmation shall inform the consumer of the requirement and provide the address where confirmation must be sent when the consumer gives the oral notification. An oral stop-payment order ceases to be binding after 14 days if the consumer fails to provide the required written confirmation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: CITIBANK, N.A.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXXCitibank XXXX XXXX XXXX XXXXCitibank XXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXXCitibank XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that any information furnished to a consumer report must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXXCitibank XXXX XXXX any written consent to to report anything on my consumer report. NO CONSENT = IDENTITY THEFT! The following inquiry is being fraudulently furnished to my consumer report. I did not authorize, benefit from, nor consent to this inquiry and I demand for it to be removed from my consumer report immediately. XXXX. XX/XX/2021 ( XX/XX/2021 ). If this fraudulently furnished inquiry is not removed, I will hold XXXXCitibank NA criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative and fraudulent item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXXCitibank NA can not provide to me a copy of when I sent written permissible purpose to validate this inquiry, I demand it be removed in 4 days. Enclosed is the FTC Identity Theft Report which states the inquiry that is being fraudulently furnished.

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