BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My Consumer rights were violated by these credit reporting agencies. I sent them an official statement on XX/XX/2021 letting them know that these accounts were inaccurate and fraudulent, and they were supposed to remove the accounts within 4 days of receiving my letter but they did not. to this day XX/XX/2021, these inaccurate accounts are still illegally being reported to my credit report. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts.also Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative. especially XXXX, do not use this stall tactic, and I ask the CFPB TO PUNISH any credit reporting agency who uses this stall tactic.

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: 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 just pulled update of my credit report I already sent you few rounds of complaints, like I said before I dont know any of these accounts. I never apply for it. Why you still posting this information on my name. Im sure that someone have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES 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 credit Reporting act Portfolio Recovery Associates # 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 a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX two of my credit card accounts were closed by Chase. The reason I was told they were closed was because my account is delinquent, bankrupt, or in a payment program none of which are true. I have been sending negotiable instruments/coupons every month on time for all 3 of my accounts since XX/XX/2022. I have also filed1099a forms to settle the account and Chase refused. Chase refuses to accept the coupons and credit my account. Chase is in constant violation of UCC 3-603. None of my coupons have been returned for dishonor and I have not received any instruction on how they would like the coupon endorsed for proper acceptance. My accounts are not delinquent and have been paid on time every month however Chase refuses to abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: JPMORGAN CHASE & CO.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I set up a new checking account with Chase using the open new account link which described a coupon code being automatically applied for a {$200.00} bonus with prerequisites, which I fulfilled in the allotted time and the disclosure said that the bonus would be deposited within 10 business days. When I didnt receive bonus within 15 business days of fulfillment I called in on XX/XX/XXXX to question why I hadnt received the bonus and was told that a coupon code was never entered, I escalated to a supervisor whom was still unable to help and said the only way to have the coupon applied was to close the current account and open a new one with the code, which made no sense to me considering this was the main reason I setup the account in the first place and would have no clue of the bonus had I not opened it the way I did, and thought it to be computer error. Nonetheless he also tried to enter a code from the option enter email for code section which I also entered that day and received with him still on the line. The system would not accept it. I just want a resolution to the problem which he was unable to provide. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-22
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:
I am a victim of the recent Equifax data breach and identity theft. The following hard inquiries are fraudulent, unauthorized and dont belong to me : XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
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:
Between, XXXX XXXX and XXXX is a violation act of the FDRA Reporting inaccurate date last active or last payment are not the same in each credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: GA
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 " ACCT XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT " XXXX XXXX XXXX '' ACCT 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 XXXX XXXX A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX XXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: JPMORGAN CHASE & CO.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
{$25000.00} was fraudulently taken out of my Chase account through wire fraud. I have taken all necessary actions to get my money back. I have filed a police report I have filed an FBI report and still nothing. Its been well over a month and still no answers. They attempted to close my claim without even looking into it stating they tried to get in contact with me and they never did. I have gone over phone records its all in black and white they never tried to call. Every time I am connected with somebody they either hang up or can not help. I need answers and help. XXXX is approaching with no peace of mind of when or if my funds will be released.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-28
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Diversified Consultants Inc. on XXXX/XXXX/XXXX concerning a credit report account opened XXXX XXXX, XXXX for {$2200.00} by XXXX XXXX XXXX. I asked to receive validation of the debt with an original bill due to the fact I have had XXXX XXXX phone service for years now and the date they placed on my credit report was in no way accurate. The representative and her " supervisor '' told me that they do not actually have a bill and would have to request one and that the date on my credit report is not the original date but the date their company decided to put when they bought the debt. I know this to be illegal not to mention I am being refused my basic right as a consumer, being able to validate this debt with paperwork. The " supervisor '' tried to rush me off the phone saying I would be sent a bill in the mail once they tried to get it from XXXX XXXX XXXX without even having my current address. I stopped him and gave him my current address in which he stated " oh, I was just about to get that. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5300.00}, {$0.00}, {$5800.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. CAPITAL ONE BANK USXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 


-- AUTO LOANS OR LEASES 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RECEIVABLES PERFORMANC has violated my rights.

15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 usc 1692b ( 4 ) not communicate by post card 15 usc 1692b ( 2 ) not state that such consumer owes any debt 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;

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 2021-06-16
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Professional Placement Services, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't know who these people are. I've never had a contract with them. I've never signed anything with them. I have not done business with them. I've never bought anything from them. They are saying I owe {$1300.00} XX/XX/2018, {$260.00} XX/XX/2018 I DO NOT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Medical Revenue Service dated XX/XX/2021 XXXX # XXXX accusing me of a bill owed to them. In the letter it stated that I have 30 days to dispute the validity of the debt. Without my dispute of validity, Medical Revenue Service took the liberty on XX/XX/2021 placing the debt of {$140.00} on my XXXX  credit report before the 30 days I was given to dispute the validity of the debt. I just received this letter less than 5 days ago and they put this on my credit report. This is a violation of my rights. Which is grounds of a law sued. This debt is not mine. Medical Revenue service has never had any contracts me, Medical Revenue service has never taken any money from their account to loan me any money.. This is not my debt

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: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been disputing unauthorize inquiries and credit errors on my credit report for over three years and Experian, XXXX and XXXX has n't deleted negatives from my credit file. Credit reporting agencies have not supply evidence of my handwritten signatures with me applying for credit with lenders or credit companies. Some creditors companies will sign consumers name just to protect themselves from any Federal lawsuits. This is the list of unauthorize hard inquiries on my credit report that is damaging my credit scores with XXXX, XXXX and Experian. According to XXXX XXXX monitoring credit and scores my XXXX credit scores is at XXXX, XXXX XXXX, and in my free membership with Experian monitoring credit score is at a very damaging score at XXXX. Credit reporting agencies are very aware that I am a US Military Veteran and I am XXXX XXXX XXXX XXXX. Under my XXXX XXXX XXXX under the Department of Justice and Federal and State Consumers Laws I am been Discriminated and Retaliated because my National Origin as a XXXX XXXX and Military Veteran status. Here is the twenty five or more Unauthorize inquiries list on my credit reports that 's damaging my credit and scores .A Bankrutcy Chapter XXXX was filed on XX/XX/XXXX and XXXX , Texas Federal Judge Discharged on XX/XX/XXXX and as I view my credit report Experian, XXXX and XXXX was not deleting collections and negatives wording statements on my credit files. Unauthorize Hard Inquiries list of twenty five or more are as follow that is displaying on my credit reports.. 1XXXX XXXX .Inquiry date XX/XX/XXXX Misc.Reporting Agencies 2.XXXX.XX/XX/XXXX.Misc.Reporting Agencies 3.XXXX XXXX XXXX XXXX .XX/XX/XXXX 4.XXXX XXXX XXXX.XX/XX/XXXX 5.XXXX XXXX .XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX.XX/XX/XXXX 8.XXXX XXXX XXXX .XX/XX/XXXX 9.XXXX XXXX XXXX XXXX .XX/XX/XXXX 10.XXXX .XX/XX/XXXX 11.XXXX  XXXX XXXX.XX/XX/XXXX 12.XXXX XXXX XXXX.XX/XX/XXXX 13.XXXX  XXXX.Personal loan.XX/XX/XXXX 14.XXXX. XX/XX/XXXX 15.XXXX XXXX.XX/XX/XXXX 16.XXXX .XX/XX/XXXX 17.XXXX XXXX XXXX.XX/XX/XXXX18.XXXX  XXXX.XX/XX/XXXX 19.XXXX.XX/XX/XXXX20.XXXX XXXX.XX/XX/XXXX 21.XXXX  XXXX XXXX.XX/XX/XXXX 22.XXXX XXXX XXXX.XX/XX/XXXX 23.XXXX XXXX.XX/XX/XXXX 24.XXXX XXXX.XX/XX/XXXX 25.XXXX XXXX.Utilities & Fuel.XX/XX/XXXX This list of creditors should supply Federal Government on my file complaints with my hand written signatures

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: Army and Air Force Exchange Service
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt collector continues to garnish my Tax refunds without ever sending proof of debt. Ive never received a phone call or written notice from them. Ive called them several times to get proof of debt for over a year now, without success. They continue to collect interest on the debt and whenever I call they provide me with inaccurate payment information. Last year my debt was {$1600.00}, they applied my tax refund of {$1300.00} this year. Yet, my valance is {$1700.00} now. Please I need some assistance. They say they dont know why my balance went up by over {$1000.00} within a month that they need time to disputed with the original creditor. Meanwhile, continuing to collect interest on the debt. At the same time refusing to provide me with the original creditors point of contact. They keep saying that it is pointless for me to call the original creditor. While i keep on insisting to please provide me with a number so I can call them. I dont know what else to do. Please help me resolve this issue

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: Nelnet, Inc.
State: CA
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:
On XX/XX/XXXX, I sent out a letter to all XXXX credit bureaus stating that the Department of Education/Nelnet is reporting inaccurate information. On XX/XX/XXXX, I sent a letter to the Department of Education/Nelnet regarding my concerns about reporting inaccurate information to XXXX, XXXX, and XXXX. I never got a response back from Nelnet. I sent out 3 additional disputes to all XXXX credit bureaus on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX and the late payments for XXXX accounts are still reporting " LATE '' for six months from XX/XX/XXXX to XX/XX/XXXX. 

I Provided documents to Nelnet and to all XXXX credit bureaus that I was never late, I was in school with XXXX units or more and I just recently graduated on XX/XX/XXXX. Furthermore, payments back to student loans begging 6 months after you are done with school.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: EQUIFAX, INC.
State: CA
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:
I discovered this derogatory account on my credit report. I have no knowledge of this account and never purchased a vehicle from this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Issue 1. Ca n't withdraw any of my funds ( approximate value {$120000.00} ). The system has an automated ID verification system that fails every time for me, despite using the exact same ID I originally used when I opened the account. I 've tried all suggestions give by support and from the support pages and forums. Nothing works. I 've contacted support numerous times and they have stopped responding to me. On XX/XX/2017, I attempted to withdraw {$5000.00} from XXXX/Coinbase. It transferred the money from gdax to coinbase but failed to finish the transfer and send it to my bank. No reason given. After contacting support, I finally got the answer that I needed to verify my ID again, which I 've attempted 20+ times this past week. <P/>Issue 2. Missing wire transfer and no response from support on what happened to it. On XX/XX/2017, I transferred {$1.00} from another account to Coinbase in order to verify the new account as suggested. The wire transfer was sent but it has never been credited to my coinbase account. I contacted support, but have received no response addressing this issue. The fed reference number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Ability Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I faxed a cease and desist letter to ability recovery services @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against ability recovery services. I requested that ability recovery services send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from ability recovery services and they failed to do so. There is 2 accounts that this collection agency is harassing me about REF # XXXX. 

Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. 

I need signed documentation with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions 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 credit Reporting act XXXX XXXX XXXX # 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 a account without my written instructions.

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

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