BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: AZ
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 was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized items which do not belong to me or were opened without my permission. 

EQUIFAX XXXX : XXXX XX/XX/2020 XXXX COLLECTION : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$840.00} INQUIRIES : XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX COLLECTION : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$840.00} INQUIRIES : XXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXXC XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: Thaxton Investment Corporation
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:
in XXXX Covington Credit incorrectly reported a debt collection on my credit report beginning somewhere around {$300.00}. Since XX/XX/XXXX they had changed to status as an " open '' account. Every month since XX/XX/XXXX they have " closed '' then " reopened '' the account increasing the balance due every single time it's " reopened ''. My report currently states that it was opened in XX/XX/XXXX when they have actually had this snowball account reporting since XXXX. They now show a balance of {$840.00} and state that payments were made the past 2 months. All of this information is incorrect. I've tried disputing the account as fraud which has been ignored. I have over a year of active " open '' " closed '' " paid '' " late '' statuses all submitted at random times. They have done this to keep the account ACTIVE on my report versus allowing it to be written off or disputed. It's FRAUD. The account is not mine, the balance is TRIPLE what it started out as and they are reporting FALSE information. ( Made payments, missed payments, account closed, re-opened, etc ) Joke of a company. OVER 3 YEARS OF FALSE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
Over {$7000.00} of fraudulent purchases were applied to my account. 
The purchases were with XXXX merchant, XXXX XXXX House. They are a mail order DVD service. I have never done business with XXXX XXXX House. 
I submitted all the information Bank of America required to file a claim. 
Bank of America has not credited my account. 
Worse, it is impossible to reach their Fraudulent Services department. They provide a phone number to contact them, but I have to wait hours on hold before anyone will answer the phone. When I get a representative, they tell me a supervisor is required. I am then put on hold for hours again. It seems if the system is intentionally designed to discourage and prevent cardholders from resolving fraud claims.

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 2022-06-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
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 contacted ARS Account Resolution S, by mail with an affidavit for validation. I asked for validation of this debt and method of verification, because this is not my debt at all. I have a very common name, and my credit report is suffering because of this. I asked them to remove this from my report, and they have not. The amount owed is {$1200.00}. They sent me a letter back with a name amount owed and account number. They did not validate this was my debt or give their method of verification. Its been over 30 days, and I am requesting this is removed off of my credit report via section 611 of the FCRA.

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Convergent XXXX Act # XXXX, XXXX Act # XXXX, XXXX XXXX # XXXX, XXXX  XXXX Act. # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX Act. # XXXX, XXXX XXXX  Act. # XXXX, XXXX XXXX Bank 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 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 2022-06-01
Company: Experian Information Solutions Inc.
State: AZ
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 was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized items which do not belong to me or were opened without my permission. 

XXXX XXXX : XXXX XX/XX/2020 XXXX COLLECTION : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$840.00} INQUIRIES : XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020 EXPERIAN COLLECTION : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$840.00} INQUIRIES : XXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX  XX/XX/2020

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 2016-03-04
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My mortgage is with Chase Bank under loan number XXXX. Most recently, I asked them to provide the refinance paperwork ; however, when asked them to provide the refinance paperwork, they responded that they had no idea what I was asking. I refinanced because the mortgage payments were too high and the refinance they offered lowered the payments by {$600.00}, so this is a problem with the inability to not pay the mortgage at the time. However, I do n't really understand the terms or how this happened and they did not provide the refinance paperwork. I believe that the loan is a conventional fixed mortgage but, I am unsure. Your assistance on this is greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: NY
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, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX BANK XXXX XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act ACCEPTANCE NOW # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section ( a ) ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rite 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 2020-12-27
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Around XX/XX/2020, I received a warning from my credit monitoring service ( XXXX ) that someone was opening a credit card account in my name. It turned out that attempts had been made to open at least three fraudulent credit cards in my name. I contacted JPMCB first. The customer service person said they had no record of this activity. When I called the other credit card companies, they were much more helpful. They arranged a seven year " Victim Alert '' be placed on my credit reports and immediately removed their " hard inquiry '' from the reports. However, JPMCB has failed to do this, even after multiple contacts by myself. Today I got my latest copy of my XXXX Credit report and the hard inquiry is STILL on this report, and I assume all the rest of my reports. From the beginning, JPMCB has failed to take this matter seriously and because of its incompetence, adversely impacted my credit score. I have had no credit relationship with JPMCB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My Credit Profile has been damaged by XXXX XXXX with 2 incorrect and/or fraudulent late postings on my credit profile. I had a joint lease agreement with XXXX XXXX, the lease started on XX/XX/XXXX ( 3 year lease ), the vehicle was returned on XX/XX/XXXX and Mr. XXXX purchased a new vehicle, subsequently XXXX XXXX reported this account 30 days late for XX/XX/XXXX and 60 days late XX/XX/XXXX. This can not be possible when the vehicle was returned on XX/XX/XXXX paid in full at that time.

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 2015-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Hi, There are some personal information in my credit report that are incorrect : For instance the " Employer Reported and Date Reported '' XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXXMy employer 's name is XXXX and neither of the above misspelled names. 

Same with the information in " Names Reported '' XXXX XXXX XXXXMy full name is XXXX XXXX and not XXXX XXXX as listed. 

Please help correct the above information on my credit profile.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have an active account with XXXX since XXXX, this account was converted to XXXX XXXX after XXXX was acquired by XXXX XXXX in XXXX. Sometime later, I was issued a new card with new numbers in XXXX XXXX with the XXXX XXXX logo. My account before XXXX XXXX was listed in my credit file with Transunion however after the new card was issued somehow this account was deleted from my credit file. Since the beginning of this year I have called several times to Transunion and spoke with so many people in different departments and they all keep saying that this account is not in my credit file because XXXX XXXX choose not to report this account, however this statement is completely false because I spoke with XXXX XXXX and they assured me that this account it 's been reported to them. They even send me a letter XXXX different times stating that this account it 's been reported to them. I also fax this letter to Transunion and they still do n't want to do anything to correct this problem. I feel that my rights has been violated and for this reason I 'm filling a complaint with the Bureau of Consumer Financial Protection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I submitted a claim about a charge for XX/XX/XXXX and I was denied for no apparent reason I didnt get to use the service my card was put on hold for reservation and I got there the package I was paying for was not available. XXXX from impulse lounge and bar XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Continental Finance Company, LLC
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for a credit card with XXXX and was approved in XX/XX/2021. I have made calls for months trying to receive the credit card that they state they have attempted to send at least 10x. They tell me that they have not had a card returned by the post office. And when I call, I can not receive the help that I need because they require the last four digits of the card to be entered to talk to someone but I do not have this because I have never received the card. They continue to send me to the lost/stolen department who requires the last four of the card number which I do not have because I have never received a card.

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 2020-12-27
Company: CITIBANK, N.A.
State: MN
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 have a Macys American Express Card. I have had nothing but problems with this card. Mostly weird charges. Or, I will pay off the account, via phone, and then 3 months later, find out, that they left a {$5.00} or {$6.00} balance on the card, and now I am paying late fees in the form of hundreds of dollars and on top of that, it has dinged my credit score negatively. The first time this happened, it prevented me from obtaining a mortgage 5 years ago. I have had another round of issues with this card one year ago. I paid it off, and stopped using the card. I recently had my wallet stolen and have been checking on my accounts weekly. Yesterday when I went to check on this account which I do no use, I see a XXXX balance. Today, the balance is at {$13.00}. This is an unknown balance that they won't tell me what it is. I have phoned and am unable to get a human again. 

This card is Department Stores National Bank. I have filed disputes, closed the account and still I continue to have issues.

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 2019-11-26
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Collector, RADIUS GLOBAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Self Financial Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XXXX XXXX I created an account with Self XXXX XXXX XXXX was notified that I had an open account with them since XXXX of XXXX. I was confused nor had any recollection of ever creating an account with the association- so I proceed with changing the Email address, while in that process I had to answer security questions that were incorrect so at that specific moment I realized and insured that this is an issue. As I was done creating my Account I seen information on the prior account of a XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX with a Phone number of ( XXXX ) XXXX. The Address does not coincide with my residential living nor my telephone number at any given moment in my life. I seeking help on expunging this debit. 

Admin Fee- XXXX XXXX {$9.00} Miss Payment- XX/XX/2020 {$150.00} XXXX XXXX  Account One Time Fee- {$22.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Affirm Holdings, Inc
State: OR
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:
There is 4 fraud lent account shows on XXXX that not supposed to be on my report I have disputed all the related accounts twice but they didnt remove them 1. Affirm INC XXXX 2. Affirm INC XXXX XXXX. Affirm INC XXXX XXXX. Affirm INC XXXX

Company response to consumer: Closed with explanation