BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX17- I went to chase bank and made a atm cash deposit of {$500.00} dollars all in 20 dollar bills. While processing my transaction the atm machine shut down and stated " this device has experienced a technical problem ''. To confirm that your last request was completed properly, please visit chase branch or call us toll free XXXX The atm printed this slip of transaction which has the date, time, AID # Term Id # chase bank address card account number I called customer service immediately to report the problem they stated a case would be opened and they asked for all specific information on the atm receipt, DATE, TIME, ACCOUNT NUMBER, term id # they advised it would take 10-15 days to investigate although they would give me a provisional credit. 
I never heard back until yesterday XXXX/XXXX/17 as they now charged back my account {$500.00}. I called customer service number to inquiry on chargeback and they stated the deposit was not found and therefore they charged back my account. No overage money was found. 
The atm has a camera which they can review- the atm receipt has a transaction number /sequence number so how can my money just disappear. Now they are opening a 2nd investigation which can take up to an additional 15 days which is ridiculous that I have been inconvenienced and now 30 days later wait to wait for them to reinvestigate again. The atm machine is their responsibility and the bank has now put me in financial difficulty by taking funds out of my account due to their atm malfunction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-16
Company: CAINE & WEINER COMPANY, INC.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi CAINE & WEINER ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Creditor's Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling, several times a day and night. Calls going to voicemail for couple of minutes of silence. When call back no one will answer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ON MY CREDIT REPORTS THERE ARE 3 FRAUDULENT ACCOUNTS SHOWING I CONTACTED THE CREDIT BUREAU ABOUT THE FRAUD, I WAS ADVISED TO DISPUTE THE ACCOUNTS ON XX/XX/2017 I DID THE FRAUDULENT ACCOUNTS ARE STILL THERE. I GAVE NO ONE CONSENT TO USE MY PERSONAL INFORMATION.

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 2017-10-24
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My checks are being garnished by an attorney whom I 've not signed an agreement to pay, nor was I contacted regarding a court date to defend the debt. I have also requested written confirmation that I owe Atty XXXX XXXX XXXX. That information has not been afforded to me, neither has notification of original dates for court. Now 7-8 years later I am contacted. Ohio law states that 6 years is the limit to take legal action. Please help me if you are able.

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 2022-05-01
Company: Radius Global Solutions LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A dispute with XXXX XXXX, who notified me a couple of years after XXXX, I was told it was doctor coding for XXXX  I did for two doctors ( one at a tiime ), I know one doctor contacted them and they said they had this problem with them for other patients. After several months, monies they said I owed was handed over to a debt collector who opened a new account and placed on my credit report Global Radius is the culprit, I did not open an account with them. I have since had to have my blood work ( lab work ) handled by another company. Told them about my situation and was told that a lab company doesn't have the right to put a supposed lab debt on a credit report or sell to a debt collector and why and how did this debt collector open an account on my credit report. I feel this is a scam and a way to ruin my credit score by falsely stating that I opened an account with Global Radius, they have also sent me correspondence asking that I pay a lower amount and they would erase my debt. Please help me to solve this problem. These companies should not have the right to damage a persons credit history.

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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2019-11-20
Company: McNeil & Meyers Asset Management Group, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The collector keep saying they have legal paper going out to my home for over a year now the same harrasing calls most of the time it be from different numbers but same harrasing collector

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
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. 

XXXX XXXX XXXX  account # XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX  account # 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 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021 and Several times prior to that.

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 2017-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Last year I attempted to set up automatic payments during a phone call with Capital One. Several months later it came to my attention that this did not happen and because of this Capital One has placed several extremely derogatory marks on my credit reports with all 3 bureaus. I have tried to rectify this with Capital One and even with taking some fault myself for not following up during a dark period in my life to make sure the expected minimums were being deducted Capital One has continually refused to make any type of compromise and offer the slightest goodwill adjustment in my favor. I have even provided my phone bill to the executive office team where a 9 minute call was highlighted that was when I recall activating a card and then transferring to customer service to set up these automatic payments. After several weeks of waiting not only does Capital One refuse to make any adjustments they also refuses to provide any transcript of the call to show that these 9 minutes were spent differently than I recall. Any assistance in reaching a compromise in this matter would be highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I am a user of Venmo and they sent me an email notifying me of an update of their user agreement. In order to opt-ou, t I must go to their website, download, and print as well as manually fill in a non-formatted webpage. I then must pay for postage and mail the notice to them before XXXXXXXX XXXX,2022. The initial email announcement does not even contain a link to the opt-out, I had to go search for it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: I.C. System, Inc.
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020, I learned there were four medical debts sent to collections. The collection agency is I.C. System, Inc. I disputed the collections with XXXX, XXXX, and XXXX, because I was not aware of these medical bills. I have no information regarding this medical bills. Apparently, I.C. System, Inc, verified the debt with all three credit bureaus. 

On XX/XX/2020, I contacted I.C. System to find out why I have medical debts in collections. The medical debts total in over {$6200.00}. I found out they have a total of 6 debts in collections. I requested for itemized bill for the collection of over {$6200.00}. I.C. System refused to send me an itemized bill. They said I have to contact the original creditor. I.C. System is trying to collect on a debt I don't even know what it is. They should be sending me an itemized bill so that I can review it to find out whether I was charged correctly or not. Please contact I.C. System and have them either send me an itemized bill or have them immediately remove all medical debts from collections on all of my credit reports.

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 2022-08-05
Company: Experian Information Solutions Inc.
State: FL
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:
I have a loan with XXXX XXXX XXXX, and I always do my payments on time. However, I noticed that there are late payments reported on my Credit File. You see I have a steller payment with this compaany and I was never late in paying. I kept my own records of payments and the information they present is totally different from what I have. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$920.00} Date Opened : XX/XX/2015

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ON MY CREDIT REPORTS THERE ARE 3 FRAUDULENT ACCOUNTS SHOWING I CONTACTED THE CREDIT BUREAU ABOUT THE FRAUD, I WAS ADVISED TO DISPUTE THE ACCOUNTS ON XX/XX/2017 I DID THE FRAUDULENT ACCOUNTS ARE STILL THERE. I GAVE NO ONE CONSENT TO USE MY PERSONAL INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Sending info slowly want to resolve the issue better

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 2017-07-02
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage is our current mortgage holder. We recently were interested in purchasing a new home and when we contacted Freedom about preapproval for a new loan we were denied on the basis that we had multiple late payments. Certain this was simply false, we have gone back into our online bank account and provided them proof that these said and recorded late payments were indeed not paid late or delinquent. And, in months where we have made 2 mortgage payments only one has been recorded on our payment history per Freedom Mortgage. The other payment is nonexistent in their account of our payment history. They refuse to accept our bank account documents, which they requested for proof, showing that this money has indeed been removed from our account as proof and continue to refer to their records stating we are indeed delinquent. This has not only tainted our credit scores but it has cost us thousands of dollars. Our home owners and auto insurance have doubled in the 2.5 years that they have started inaccurately recording us as delinquent to credit reporting agencies. We are looking for help to get our credit history correctly reported and recoup the thousands of dollars it has cost us. <P/>We are happy to provide you with our private bank statements if necessary to help you to appreciate our prompt and appropriate payment history. Freedom Mortgage has been provided these said documents at their request prior to our contacting 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 2022-05-01
Company: Marlette Funding, LLC
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  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: AMERICAN EXPRESS COMPANY
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  account has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states 604 A section also states a consumer reporting agency can not furnish without my written Instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open card account under an open consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Resurgent Capital Services L.P.
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: Problem with personal statement of dispute

Complaint:
This company is acting as a debt collector company but in the FTC JUNK DEBT buyer list XXXX is a junk debt buyer company. 15 Usc 1692g I am the original creditor only I can validate debt. I have filed multiple dispute letters and will continue to take action on these fraud agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: FORD MOTOR CREDIT CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and Ford Cred to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
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:
I am a victim of identity theft ... I have supplied the credit bureau and creditor with the proof that I was never late and made all payments on time and the credit bureau and creditors refuse to remove the late payment which is a voilation 15 U.S. Code 1681i FCRA XXXX  XXXX with late payments to re appear on my credit report causing me personal injury. 
I have send multiple certified mail receipts on this matter over the course of the last 2 years. XXXX XXXX, XX/XX/2020, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation