BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-14
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: Information belongs to someone else

Complaint:
My home address for the last 38 years has been  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx,  XXXX . We did have at  one  point a property on  XXXX   XXXX   XXXX   XXXX   XXXX , Tx. On my credit report, there are  XXXX  addressess I have never lived at and I have no idea who they pertain to, these addresses are  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , Texas  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  and  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX , tx  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 2023-01-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I called the XXXX Bureaus after I purchased a credit report with IdentityIQ on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Inaccurate reports on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
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 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 2017-06-14
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Some  10 plus  years ago my son,  XXXX   XXXX   XXXX , attended a college in  XXXX   XXXX  California. In the past several years, I have tried to obtain receipts, that shows debt owed, payment, debits from the total balan ce. One time some years ago a rep. from Navient   XXXX , settled some of the debt and I was told I only had  XXXX  debt to pay on. J ust two weeks ago, I called Navient, to fin d out my balance. The rep. told me that I had  XXXX  loans totaling some {$42000.00}. Without receiving any debit/credit receipts, the consumer is clearly open for fraud. ( Been told that I had  XXXX  loans vs  XXXX  loa n ) N o one can collect monies without receipts or balance sheets. My bank balance is sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Securus J Holdings, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a CONSUMER and Jpay is collecting a debt that has not been verified. They are and have violated and discriminated against me. False and misleading. 15 USC 1692A and 1692E ....! 9 USC 1520

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I seldom use this amazon credit card. It is registered in amazon so I don't have to look for the card, it is all entered in the portal. Last week I needed to ask about the details of the card, and I was told the card was reported lost or stolen. I TOLD THEM< IMPOSSIBLE because I had the cared in my hand and never reported it lost etc. I told them to fix the problem at XXXX XXXX XX/XX/2019 i needed to know how much my payment was due, and they told me the card was lost!! I spoke to supervisor XXXX XXXX flor manager from Chase in XXXX who told me the card was reported lost or stolen. I asked him to let me listen to me reporting it lost, stolen etc, or to show me an e mail, written note or voice recording advising of it being lost. He had no proof of it. The bank has made a mistake and closed it without my knowledge. I told him I need the card to pay something at XXXX XXXX today. That I am-OK to go to the bank to pick up a temporary card to make this payment. He said there is nothing he can do but I must wait 2 days or so to get a new card. That is not ok because I HAVE the CARD< and I already told them last week not to close the account. NOw I have no way to make a purchase although I have the card in my hand. 
The bank must show e proof ( verbal recording or written ) that I reported the card lost/stolen. WHO IS GOING TO HELP ME PAY FOR THE PURCHSe I HAVVE to MAKE AT XXXX XXXX TODAY? This is irresponsible banking. I can't wait 2 days for the card to arrive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Ocwen Financial Corporation
State: DC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I requested my transaction statement, after sending a payment for my escrow because my mortgage balance had not changed after the payment. In fact, my mortgage has not changed since I purchased my home in 2008. Where is my funds and where has my past payments been applied to? I have a conventional loan with no interest only loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a checking account with regions when I was around XXXX years old and used it very rarely living out of state. When moving back to the state in XXXX, I used this account with more frequency until switching to another bank because of the handling of deposits, withdrawals, and fees. The checking account remained open but was rarely used for the next few years. I was never charged a low balance fee or limited use fee during any of these times. I then opened a heloc with Regions in XXXX and started using the account to make these payments. When I paid off the heloc in XXXX, I started receiving an {$18.00} charge every month. I have called several times over the past 2-3 years and have never been given a solution. The rep would usually tell me that the fee didn't make sense, that they weren't sure why it was charged, or that I would need to figure out why it had changed and discuss the issue with whichever branch caused the issue. Apparently, as I was told by a representative a few months ago, at some point while I had the heloc, my account was " converted '' to another product that would help me by gaining interest on my checking account t balance. When the heloc was closed, which was preventing this fee from being assessed, the fees started accumulating every month. I was finally told today that they would put in a request to change the account back to the original product, which would eliminate the fee, but I was only eligible for one fee reversal. I feel that this is an unacceptable deceptive practice because I was charged {$18.00} per month for the last few years with no explanation, no apology, and no restitution. The account was converted without my knowledge and, until today, I couldn't even get them to change it back to save future fees. I have struggled for years to even understand why this was done or how to change the account to save the fees. I would have completely closed the account and severed the relationship but have kept it open because I have a recurring transfer to my parents ' regions 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 monetary relief
Consumer complaint received 2022-09-12
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company CCS COLLECTIONS, purchased a debt from another company and I had no involvement with the transaction according to 15 USC 3002 I am a NATURAL PERSON which means my name in ALL CAPS is not me, my name is XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection. XXXX, XXXX, XXXX & XXXX are assumed to be credit bureaus and their is only one bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that where as the holding or dealing in gold affects the public interest, and therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to acquire payment in gold or a particular kind of coin or currency Every obligation heretofore has or hereafter incurred shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debt. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigative consumer report means a consumer report a portion there of in which information on a consumers character, general representation, personal characteristics, or motive living is obtain through personal interviews with neighbors, friends or associates of the consumer reported on our way others with all the is appointed or who may have knowledge concerning any such items of information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Recently I paid off a credit balance that is listed on my credit report ( I didn't close the account, just paid it off ). This had the effect of lowering my credit utilization which is supposedly a good thing. However, as a result of doing this, both XXXX XXXX and Equifax report the account is paid, but as a result, they both lowered my credit score. I've tried to contact both agencies with little success. I was able to file an online dispute with Equifax, which they have acknowledged but not responded to as of yet. However, I have been unable to do the same with XXXX XXXX. Their web site for initiating a dispute doesn't work, and if you call them, you just sit on hold forever - so far XXXX hours in my case. Hence I would like to file a complaint about XXXX XXXX at least.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
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:
( 103 true Identity theft ) I am a victim of identity theft XXXX confirmation # XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} Opened:XX/XX/XXXX XXXX  file number XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} Opened:XXXX Experian Report Number : XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} Opened:XX/XX/XXXX My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help THESE ADDRESSES DON'T BELONG TO ME XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA 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 explanation
Consumer complaint received 2020-04-22
Company: EQUIFAX, 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 true Identity theft ) I am a victim of identity theft Equifax confirmation # XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} XXXX XXXX  file number XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} XXXX XXXX  Report Number : XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} XXXX {$400.00} XXXX My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help THESE ADDRESSES DON'T BELONG TO ME XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: JPMORGAN CHASE & CO.
State: SC
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 found out XXXX 2015 that i was a victim of id theft. I contacted all bureaus and the IRS to inform them of the fraud. Both XXXX and XXXX have cleared me of all credit cards that were fraudulently open. XXXX is the only company that continues to deny my request. They continue to report a chase card that i never had. I have sent numerous amounts of dispute which all included copies of my Id and SS card to prove my identity. I have also had numerous conversations with the company informing them that i am the 3rd generation, and the birth date and address that are associated with the fraudulent cards all seem to represent my father 's info with my social. The year that the cards were open i was a minor and was n't even aware nor was i old enough to establish credit.I am tried of fighting this with XXXX. please help me with this because it has been going on too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The address dispute has been received and should be completed by XX/XX/2022. 

Source : Experian Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX I had on several occasions written and indicated to Experian XXXX XXXX and XXXX to correct my address but they have refused since XXXX XXXX XXXX  to 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 2019-12-03
Company: Early Warning Services, LLC
State: WA
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:
See attached. Would like an explanation what is the amount of unpaid, as well as what types of fraud XXXX has reported to EWS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am the mother of the minor child XXXX XXXX XXXX my name is XXXX XXXX XXXX I received a call stating my child have a bill in her name they used the same social and birthday but the year was wrong they had XX/XX/XXXX when her birthday is XX/XX/XXXX making her only XXXX it made her seem like she was an adult when she is not so i took it upon myself to pull her credit using the year they provided and was shock to my finding this account is for my minor child she have XXXX i will enclose in this dispute her birth certificate he social and a bill for me and my temporary driver license this is an fraud account and please remove from this minor account and correct her birth year

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: ONLINE Information Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I XXXX XXXX looked a my credit report and notice Online Information Services reporting to my report. I then contacted Online Information Services and the company to validate the debt and to provide the original contract but, I never received it. Online Information Services replied with a letter that was in XXXX  of my consumer rights. Under the FDCPA XXXX XXXX XXXX. ( XXXX ) and XXXX XXXX XXXX. ( XXXX ). I XXXX have tried to contact Online Information Services to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: MI
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over four months I have not received a response yet or an update to my credit report. I feel like I'm 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 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2017-06-14
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I 've been charged additional overdraft fees and I do n't understand Tcf practices. I have called and went into the branch several times to try and get help but it appears the people working for the company does n't understand the practices either. My online account never shows my end of day balance as negative however I keep getting charged fees. I have pending transactions they make me negative but I was told if I make a deposit before  XXXX  I would n't get charged fees. How am I getting charged fees for items that have n't posted yet? I have had this same issue before and I believe Tcf had practices that intentionally takes money from cudtomers. I was told it was a tool to help me and I 've done nothing but give my money to the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-14
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I respectfully requ est Midland Funding, LLC to  provide me with competent evidence that I have any legal obligation to pay you.     Under the provisions of Public la ws 95 109 and 99 361, kno wn collectively as the Fair Debt Collections Practices Act ( FDCPA ) and the FCRA I am requesting the following verification : I am requesting for proof of both the original debt agreement and my signature of the credit credit card loan application and my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX. This has caused me tremendous anxiety, stress, and financial hardship.

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 2022-04-01
Company: EQUIFAX, INC.
State: ME
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 paid the debt, and received documentation confirming the debt was paid in full. but the debt has not been removed from my credit report. when i called the creditor they advised me to call the collector. when i called the collector they advised me to call the creditor.

Company response to consumer: Closed with explanation