BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2021, we sent a {$2500.00} money wire to a fraudulent business. We kept the company thinking we would wire more money so they would keep the account active while we contacted Chase bank on XX/XX/2021, to report the fraud and request the wire be refunded. On XX/XX/XXXX, 5 full days later, they asked for " additional details '' which we gave, including attachments with information and proof of the scam. The next day we received a " reply '' which said literally nothing. Blank. I replied questioning where the message was for its inquiry and received a reply TWO DAYS LATER asking for the exact same information provided a WEEK prior. I repeated the information, all while keeping the scammers ' bank account open and ready for a payment we were supposed to be paying them. Same bank account, same phone number- SAME. Three days later on XX/XX/XXXX, we get a response saying they have just now opened a case on our issue. ELEVEN days later. Two days later on XX/XX/XXXX, we are told that the bank account that received the funds has been closed and the phone number is suspended. TWO WEEKS. We did everything to be able to get our money refunded and Chase took too long to get our complaint moving while the scammers ' account was open.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Experian Information Solutions 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 status incorrect

Complaint:
On XX/XX/, I sent Experian proof of a document with a dispute. Experian is reporting I have 2 late payments on a Auto Loan with XXXX XXXX XXXX XXXX. According to FCRA Section 623, Experian is in violation ( if they refuse to correct information after  being provided proof of inaccuracy ). They sent me a letter XX/XX/ saying it was verified. But how is that? These so called late payments are a auto loan with XXXX XXXX that was a total loss and the insurance paid over 95 % of the loan in the same months they are reporting late. This has caused me financial injury. Injury to my credit report and credit score. Defamation on my character, etc.. I also noticed them reporting a late  payment ( 30 days late ) on a account ( XXXX XXXX or XXXX XXXX ) that I know I called the creditor and arranged an agreement to postpone payment after a natural disaster ( Hurricane Harvey ).  Experian has failed to do it's part to maintain accurate information on my credit report or do a proper investigation on my disputes

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 2020-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020, my phone was lost/stolen. The phone 's XXXX XXXX/XXXX   apps were used to transfer money from my Debit card account with Bank of America and my Visa Card from XXXX  Card. Upon noticing this, I immediately reported it to my financial institutions. XXXX Card has resolved my claim, determining that the transaction was fraud and receiving no contest from XXXX regarding the transaction. I did also contact XXXX and submitted multiple items to them, at their request, to verify this was fraud. 

After an " investigation '', Bof A says they could not verify fraud and reversed the credits on my account which total around {$1800.00}. I have called BofA multiple times a week, I have provided the same documents I provided XXXX Card, I have asked to speak to the actual fraud investigators, and I have not been able to make progress. There were 2 transactions that BofA included on my claim initially that were not supposed to be ( they were legitimate Debit Card transaction with my physical card I made that day ) and I feel that they used those to deny my claim even though I told them multiple times that those were not fraud. All the transactions that were fraud did not use my physical card. One agent I spoke with told me that " this type of fraud is still new, and if the investigator does not look closely, they can look like physical card transactions ''. 

I need Bank of America to recognize this as fraud. XXXX does, XXXX Card does, but Bank of America is, for some reason, saying they are valid transactions. They will not provide me with information as to why. This amount of money is detrimental to my financial health and has caused significant hardship on me. I have been with BofA for 19 years, and I am incredibly disappointed that this process is neither transparent nor fair.

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 monetary relief
Consumer complaint received 2021-06-11
Company: Winklevoss Exchange LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have an account with Gemini Trust LLC trading platform. I have over {$1900.00} on the platform. I am unable to withdraw my funds because they have not verified my identity. I have been waiting over 6 months for the verification to be completed. Please help me. My name is XXXX XXXX and I can be contacted at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
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: Information belongs to someone else

Complaint:
XXXX {$7300.00} XX/XX/XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX HOSPITAL {$650.00} XX/XX/XXXX Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XX/XX/XXXX {$100.00} Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XX/XX/XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: SinglePoint GI
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Beginning XXXX, XXXX, General Revenue Corporation began attempting to collect {$3000.00} on behalf of XXXX XXXX claiming that this was owed for the summer term of XXXX. 

I wrote them back explaining that I have never had anything to do with XXXX XXXX never taken a class or even knew of its existence and that this was likely fraud. 

General Revenue Corporation insisted they supposedly " confirmed '' their information was " accurate '' and keep asking for things like canceled checks and school withdrawal information -- from a school I never attended! This is insanely stupid. 

They persisted in requesting this even after I shared my driver 's license and a copy of the police report I filed regarding identity theft..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX and Experian all have different information on my reports and are allowing debt collectors too many wrongful acts of harassment

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 2022-04-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX 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 2020-03-02
Company: BMW Financial Services NA, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I returned a leased car 10 months XX/XX/XXXX or XX/XX/XXXX to BMW Financial Services. Now they are billing me for XXXX Massachusetts excise tax. Despite knowing the lease was long over, they automatically paid the tax and claim it's my responsibility to fix it. 

On the Mass. RMV site it clearly states the party named on the registration has to cancel the plates. I was able to verify on the RMV website that the plates were not active. 

BMW Financial Services should be punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C. systems claims i owe them for a cable bill i never had, i asked them to send me documents showing that i owe this so called bill with my signatue on paper work or a voice recording proving i signed up for this service, and they have refused to provide any proof of this bill being mind. 
As i have told them numerous times on the phone i'm a current XXXX  customer with active service so its not possible to owe them when i'm a current subscriber.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: MiraMed Revenue Group LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I recently checked my credit report due to a hit by MIRAMED REVENUE GROUP. I have never received a validation of debt nor notification of this supposed debt. I also have never lived in SC where the hospital is located. This is a violation of FCRA & FDCPA. This needs to be removed due to failure of notifying the consumer of a debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This was submitted to CFPB on  XXXX / XXXX / 2017  case #  XXXX  and nothing was ever done with it. I am now 5 days from closing on a mortgage and will probably have to pay this account off to get mortgage. I am highly disappointed.     The compan y is Advanced Collections Bureau   XXXX   XXXX   XXXX   XXXX  Fl  XXXX  Phone  XXXX  They are trying to collect for a security system account that I did not renew. I had a security system through  XXXX   XXXX  in  XXXX  Florida and when my  two  year contract was up I did not want to renew. I paid for the whole two years in full, when the contract was up they continued to bill me, I spoke with them and said I did not renew contract and to stop billing me as I had never used the security system. I eventually was contacted by Advanced Collections saying I owed {$1000.00}. I attempted to speak with them and resolve this and have had no success.     Account number  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance of the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a 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 2023-04-04
Company: EQUIFAX, INC.
State: NV
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:
There are fraudulent inquiries on my credit report I want deleted. Without my authorization these inquiries were placed on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Early XX/XX/XXXX : Received an unsolicited invitation from United/Chase to apply for a credit card indicating that " With this invitation-only offer, you'll enjoy a {$0.00} introductory Annual Fee for the first year, then {$450.00}. '' Early XX/XX/XXXX : I applied for the card with the believe that there would be no first year annual fee. 

XX/XX/2020 : Received an email stating " Congratulations. We have approved your request for a Chase credit card. '' On or about XX/XX/2020 : Received first billing statement from Chase with a balance of {$450.00} for " Fees Charged '' Contacted Chase via phone, opened an online account and sent them a " secure message '' with a snapshot of the the introductory {$0.00} Annual Fee invite they had sent to me XX/XX/2020 Chase responded that they had received the inquiry and were forwarding it along to the " appropriate '' people XX/XX/2020 Eight days later, with no response from Chase, I reached out to Chase a 2nd time XX/XX/2020 Chase responded with ... .. 
" I regret, we are unable to match the no annual fee offer that you inquired about. The offer on your account will remain as XXXX bonus miles after you spend {$3000.00} on purchases in the first three months from account opening. We apologize for any inconvenience caused due to this. 

XX/XX/2020 I reached out to chase, once again, and requested they reevaluate their decision to decline the {$0.00} Introductory Annual Fee XX/XX/2020 Chase 's response : " We re-evaluated your account and see your account isn't eligible for the new offer you requested with the first year no annual fee. '' By the way - My husband received the exact same invitation from Chase, applied for and received his own credit card. His statement, as expected, DID NOT have the {$450.00} annual fee. Was this discrimination on Chase 's part???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-17
Company: Trident Asset Management, L.L.C.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This bill was paid a while ago.This should not be on my credit report! I have been rebuilding my credit over the past 2 years and I take my  credit score a nd report very serious. This came up today when I applied for a home loan pre-qualification. I  may  be denied because of this and I need this removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Experian Information Solutions 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:
XXXX XXXX XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX This account is not mine Delete it immediately Account : XXXX   XXXX This account is not mine Delete it immediately Account : XXXX XXXX  XXXX This account is not mine Delete it immediately Inquiries : XXXX  Mortgage I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX  I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately

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 2020-03-02
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have tried over many years to work with my student loan servicer, but there are not flexible with options to lower my payment. I am currently not working now, and my payment continues to rise. I believe that they were predatory in their lending when I first began school back in XX/XX/2005... I had just turned XXXX years old and I was able to take out a student loan with high variable interest rates. Over the years if the rates were not outrageously high I think I would've had a better ability to get them lower. All the payments I have made over the years has done nothing to stop my overall balance from increasing.

Company response to consumer: Closed with explanation