BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had checked my credit report and noticed that  XXXX  account was opened up under my name  XXXX  account with  XXXX   XXXX  and  XXXX  with  XXXX   XXXX , I immediately contacted the credit card companies and explained about the fraudulent accounts that was opened up under my name and had them closed those accounts and through the process I learned that those accounts were getting paid through my CHASE business account. On  XXXX   XXXX     2017 I  contacted CHASE where I had my business account was and after being on the phone for ov er 1 hour and transferred from one  person to another person opened up a claim with them and they emailed me a package for my claim that I needed to sign and send to them and get my account credited. Two days later I received another email from CHASE and that email was stating that my claim has been denied and would not get my account credited. I immediately got on the phone and I spoke to a lady by the name of  XXXX  from  XXXX  and explained to her what just happened and she could not answer me correct then I asked to speak to s ome one in united state and t hey had me on the phone holding for over 55 minutes and was told that there is no one available in united states then I asked to speak to a supervisor which that got denied also. Earlier today I called CHASE claim again and went through the same run around first speaking to some one in  XXXX  for over 17 minutes then being on hold for 15 minutes to speak with a gentleman named  XXXX  that he told me he was a senior account specialist. He then said that the claim was denied. He would not identify himself other than the time I called and his first name and he also refused to give me a direct phone number.  XXXX  said he denied my claim because all the information CHASE had was correct. He ignored the erroneous information and fraudulent actions and chose to deny my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received  XXXX  separate invoices from " Convergent Outsourcing '' company.  XXXX  of the debts attempting to be collected is for  XXXX  which I received on  X/X/2017   . The original amount is {$1000.00}. They are offering a reduced amount at {$530.00}. That account number is :  XXXX . The other letter that I received was for  XXXX  on  X/XX/2017   . The amount owed on that is {$580.00} with a reduced amount at {$110.00}. The account number on that debt is :  XXXX . Neither of these debts are legitimate. I would like to get this taken care of and stop receiving these letters. The contact information that was provided by them are the following :  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX  ,  XXXX   XXXX   XXXX  www.payconvergent.com

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 2022-04-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair Credit Reporting act XXXX Account numbers, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights.

15 USC 1681 Section 602A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair Credit Reporting act XXXX Account numbers, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights.

15 USC 1681 Section 602A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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

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 2021-11-22
Company: EQUIFAX, INC.
State: NY
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 am XXXX XXXX and I am submitting this complaint myself to inform you that the items are reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax required to verify for themselves, but they failed to neither verify nor update me about these complaints. PLEASE REMOVE the listed accounts below from my report : ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: VA
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:
I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no know of any of these accounts due to the Equifax & XXXX data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
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 have accounts that I did not open on my credit report and none of my credit reports match. I also disputed 4 times in one year ( XXXX-XXXX  ) to get these items off my account. I know by law my credit report should have the same information on all three and it doesnt. I need these inaccurate accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, 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:
XXXX, EQUIFAX AND XXXX HAS SOME ACCOUNTS ON MY CREDIT REPORTS THAT ARE NOT MINE/ INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I purchased an insurance policy for {$8000.00} from XXXX XXXX. Payment processed on XX/XX/2021. I subsequently cancelled this policy on XX/XX/2021 and was advised the refund should have been processed to my account on XX/XX/2021. To date, no refund has posted to my Bank of America account.

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 2021-11-22
Company: EQUIFAX, INC.
State: MN
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 following credit inquiries listed on my Equifax credit report are fraudulent and unauthorized credit inquiries : XXXX, XXXX and XXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Lending Club Corp
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I apply for a loan online and for the amount of {$1700.00} ; but i called them back and i told them i did not need the loan any more ; and then i told them to please delete my information specially my social security but they said they had to leave my information on fil e for 7yrs. I tol d them i was not happy and i ask them over and over to delete my information and they declined to do so claiming it was a policy. Nevertheless at the time of my application i did not see that policy any were, regardless now they are stating that the federal and state laws require them to keep account information. I did not proceed with the loan process therefor I should not have an account. All I did was just apply and cancel before the process was finalized. In fact I did not even send the documents required. I strongly disagree with there need to keep my information for 7 years. I need some assistance in getting this resolved.. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Im submitting this CFPB complaint addressed to the Credit Reporting Agencies today to inform them that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF EDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-11-22
Company: EQUIFAX, INC.
State: GA
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:
I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
**This is not  an Duplicate Complaint. Follow up from Complaint  #  XXXX  There is no need place an " Dispute '' on this account your claiming is mine.     The aforementioned credit collection agency representing whomever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ARS Account Resolution does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay  ) the y need to retract this from my credit file 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 2018-10-08
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: Investigation took more than 30 days

Complaint:
ON XX/XX/2018 I submitted a complaint to CFPB in regards to incorrect reporting of my student loans by all of the 3 credit reporting agencies. XXXX responded to the CFPB, investigated and made a number of corrections, deletions etc to my credit report. It is not 100 % accurate but it is closer to the truth.

Experian and XXXX sent the standard " we will investigate and get back to you responses '' That was almost 120 days ago. They did not add any additional information to the CFPB complaint nor did they investigate or they would have found that the same thing that XXXX did.

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 2018-10-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX it is documented with the Debt Collector was contacted by me disputed the debt and informed them this was not my debt. I requested validation of debt at that time. 
On XX/XX/XXXX I received another debt notice from the Debt Collector. On XX/XX/XXXX at XXXX XXXX  I contacted the Debt Collector and spoke with XXXX. She informed me that I disputed this on XX/XX/XXXX and it was not approved. I informed her to stop contacting me that I will seek legal counsel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: PA
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX : {$990.00}

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX  XXXX XXXX XXXX, has violated my rights. 
Dept EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
US DEPT ED # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
XXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
US DEPT ED # XXXX, has violated my rights. 
U S DEPT OF EDXXXX XXXX XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
DPT EDXXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-04-25
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were offered a home loan modification  by Ditech. W e 've been waiting for the paperwork from them for 4 months. Every time we call to ask when we are going to get the paperwork they make up some excuse saying there is a glitch in the system that needs to be fixed. We have been making our payments and yet they reported that we have n't been and ou r credit score i s down to  XXXX . Now no other mortgage company will refinance us because of our  credit score and Ditech  wo n't update our records so we are stuck and do n't know what to do. They wo n't send us the paperwork to finish our modification and wo n't fix our  credit score  and update our records that we have been making our payments. We are stuck.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation