BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-14
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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i did a debt resolution program back in XXXX of XXXX all accounts were added and resolved in XX/XX/XXXX. i reached out to the company that arbitrated the process and they told me once the balances are paid in full, the accounts will be deleted off my report and my credit score will start to rise again. i just pulled my report and i noticed the charges are still there. 

the accounts are as follows : JPMCB ending XXXX was opened XX/XX/XXXX date closed XX/XX/XXXX and paid XX/XX/XXXX JPMCB ending XXXX was opened XX/XX/XXXX date closed XX/XX/XXXX and paid XX/XX/XXXX XXXX XXXX ending XXXX was opened XX/XX/XXXX date closed XX/XX/XXXX and paid in full no date was given only states it was charged off. 
XXXX ending XXXX was opened XX/XX/XXXX date closed XX/XX/XXXX and paid XX/XX/XXXX XXXX XXXX XXXX ending XXXX was opened XX/XX/XXXX was closed XX/XX/XXXX and paid XX/XX/XXXX XXXX ending XXXX was opened XX/XX/XXXX was closed XX/XX/XXXX and paid no date given only states it was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo has also opened an account in my name without me even knowing about it. They have since closed this 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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, the Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting inaccurately on my report : XXXX XXXXXXXX XXXX Balance : {$49.00}

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 2022-05-20
Company: Experian Information Solutions Inc.
State: WA
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 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 explanation
Consumer complaint received 2016-11-28
Company: Credit Counsel, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had dental services from XX/XX/2012 to XX/XX/2012. At the time I was covered under XXXX. I paid for the remaining balances with my credit card. I submitted paper work for the dentist to be paid directly from the insurance carrier ( XXXX ). You will note that is what happen on the claim form. The dentist indicated that " XXXX paid patient '' at the bottom of the claim form bill. 

I was contact recently and ask to pay a bill that was supposed to be paid by the insurance company back in XX/XX/2012. I have subsequently changed employers and insurance carriers. The insurance company does not keep records back that far. 

I have asked for a canceled check from the insurance company to show that I cashed any check. They do not show one being cashed my me and the collection agency can produce any documentation showing that I received payment ( other than the handwritten note at the bottom of the bill page ). 

I am being as to pay for a service almost XXXX years later with no indication that the bill was submitted to the insurance carrier ( rejected or paid to me XXXX. 

This wrong and unethical. The credit collect agency it threaten to submit this claim to the credit reporting agencies to " damage my credit ''. This is also wrong. 

The person that made this " threat '' was XXXX or Credit Counsel, Inc ( XXXX, XXXX, FL XXXX ). Email : 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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have tried on several occasions to repair my credit with XXXX, XXXX  and transunion for the ELIMINATION of accounts that are being reported incorrectly. several accounts are in COLLECTION but the account status is open, the last dates of activity are reported differently in each credit bureau, how is it possible? I have sent them letters where I point out the errors in the accounts and they ignore my request. 

The accounts I need removed because they violate the FCRA ARE : 1XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX The balance owed on this debt is allegedly XXXX and the highest balance is XXXX, this is a violation of my right to a Fair Credit Report. 

2- XXXX XXXX account number : XXXX 3XXXX XXXX XXXX account XXXX : XXXX This account is reporting the last activity date differently in XXXX and XXXX, late payments are also reported on different dates, I am entitled to fair credit, errors like these are unacceptable 4- XXXX XXXX  account number XXXX This account is reporting the balance due other than the highest balance,. Additionally, I was reviewing it and its reporting the PAYMENT HISTORY " CO '' Accordingly to the FCRA, it's illegal to report current payment history on a Charge off account. I have the right to an accurate credit file and discrepancies like this are unacceptable. 

5- XXXX XXXX account number XXXX The last day of activity, account status on this account are reporting differently on the 2 credit bureaus. i have the right to an accurate credit file and discrepancies like this are unacceptable. 

6- XXXX XXXX XXXX XXXX account number XXXX The last day of activity, last payment on this account are reporting differently on the 2 credit bureaus. Additionally, I was reviewing it and its reporting the PAYMENT HISTORY " CO '' Accordingly to the FCRA, it's illegal to report current payment history on a Charge off account. I have the right to an accurate credit file and discrepancies like this are unacceptable.

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 2022-05-20
Company: T.S. Holdings
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a resident of the XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX in XXXX of XXXX to XXXX of XXXX. My partner and I moved out on XX/XX/XXXX because I had lost my job and my partner bought a home ; however, I gave a notice of two months to the apartment manager. I turned the keys in on XX/XX/XXXX and gave my new address. At that point, management had quit including two staff and only a new girl was at the front. The apartment was cleaned, carpets cleaned and vacated. I was told I was good to go and the apartment was in great shape. Fast forward and in XXXX I received a move-out notice months later but I had already moved out and was told the apartment was rented. Then in XXXX of XXXX as well, I received a notice to vacate with instructions and the total amount due. I sent two emails requesting feedback as I was confused. I called and no one answered or responded ( I have documentation ). Then an {$8000.00} debt showed on my credit and when I reached XXXX billing they told me the XXXX was purchased and probably made a mistake with the confusion and lack of management. This is a serious allegation and a large debt that is completely accurate. I have never left an apartment abandoned and was a good-paying tenant. I am now having to hire an attorney because this is false and inaccurate information. I was able to speak to someone at the previous company, XXXX and they have no record of anything. This is false information that is affecting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am a co-signer for a loan. The student is not able to pay any amount towards this loan. I wanted to consider paying off a negotiated amount. I talked to a manager and was told they would consider 90 % payback. I asked the woman if I could talk to her manager. She told me he does not talk to anyone. So there is no one who will help me with this problem. The original amounts total {$4300.00}. It is now {$6400.00} because of interest. Interest rate are 9.625 % and 10.25 %. The lending instituted was not clear that this was a private company, leading borrows to believe it was a government agency. I feel this is dishonest and misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: Capital Accounts, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
On XX/XX/2016 at XXXX XXXX. I received a call from Capital Accounts Collection Agency. After already making a payment with the gentleman over the phone to set up a payment plan he wanted to put it on auto pay every month. I advised I did not like auto pay and would make the payment online or over the phone every month. He kept questioning why I did not like auto pay and saying it would still be sent to my credit report and no payment plan could be set up if I did not enroll in the auto pay. I told him I just did n't like it. I did n't feel I needed to explain my personal reasons to him since he had been badgering me the whole phone call. He then said " well people do n't like when you do n't pay them for 7 months ''. At that point I was so surprised I said " I do n't care '' and he said " clearly ''. I had previously explained in the phone conversation that I was unemployed ( due to my office closing down ) and that 's why I have n't been able to take care of this bill. After hanging up the phone with him I then called back and spoke with a very nice representative who thoroughly explained everything to me and at that point we did get the payment plan and auto pay set up. She was very understanding and made me feel completely comfortable setting everything up. The statements made by the previous representative were complete uncalled for. If he did n't act in the manner he had we could have accomplished all of that in the first phone call but he just kept pressuring me to use my credit cards for a larger payment and threatening to send all the information to my credit report when I was hesitating to make a payment. He did not try to be understanding or work with me in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: CONTRACT CALLERS INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently received a copy of my credit reports and noticed some erroneous items on my credit reports. Contract Callers Inc. is handling the collection of these accounts. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Contract Callers Inc. and me which makes them entitled to enforce a commercial claim against me. This is not a request for verification or validation. This is a request for strict proof of contract to substantiate their claim. Provide me with a certified copy of an original contract with my signature, specifically naming Contract Callers Inc. entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.

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 2016-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Bankruptcy

Complaint:
I filed a Ch. XXXX Bankruptcy in the XXXX XXXX of California on XXXX/XXXX/XXXX and after completing the plan was XXXX on XXXX/XXXX/XXXX. In accordance with the Chapter XXXX plan, the Trustee paid BANK OF AMERICA/FIA CARD SERVICES in full. 

XXXX reports BANK OF AMERICA as " Derogatory '' and as " Negative Account, Closed Account ''. It continues to report the status as " Wage Earner Plan '' and the " Date Reported '' is " XXXX/XXXX/XXXX '', which is after my bankruptcy discharge. BANK OF AMERICA continues to report a balance of {$19000.00}. 

XXXX reports BANK OF AMERICA with XXXX " Derogatory '' and " Potentially Negative Closed '' accounts, XXXX of which appears to a duplicate and is incorrect. 
The first account # XXXX reports " Payment Status : Making regular payments under XXXX. '' and reports a balance of {$19000.00}. 
The second account # XXXX reports the " Account Type : Banks and XXXX '' ; it should state Credit Card Company. It continues to report the " Payment Status : Wage earner or similar plan ''. 

XXXX reports BANK OF AMERICA accounts as " Derogatory '' and as " Credit/Revolving Accounts ''. It continues to report the " Status Payment Plan ''. This account should also be reported as closed. 

I have disputed the incorrect information with XXXX, XXXX and XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to XXXX BANK OF AMERICA addresses, the address listed with the Bankruptcy Court and the addresses listed by XXXX, XXXX and XXXX, respectively. The incorrect and inaccurate information continues to negatively impact my credit report, credit rating and credit score. I am seeking your assistance in resolving the inaccurate reporting of these accounts to the credit bureaus listed above.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America has not properly notified the credit bureau that my account from 2012 has been satisfied even though I have a confirmation letter from them and have attempted to resolve this multiple times. I am in the process of a refi on another home and this is an 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 non-monetary relief
Consumer complaint received 2015-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
Bank of America ( BofA ) at XXXX XXXX XXXX XXXX XXXX NJ XXXX is refusing to cash my payroll check drawn on BofA. Do they have that right to refuse to cash a " Payroll '' check, if the account has enough money and I have ID?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed information regarding my personal credit report that is reporting inaccurate information. I have sent dispute letters to all three credit bureaus on XX/XX/2022 in regards of the inaccurate information that is currently still being reported on Equifax, XXXX, XXXX. The total amount is ( {$410.00} ) which is a collection account as well as other inaccurate accounts. This inaccurate information is hindering me from establishing new credit accounts and other things regarding business. I appreciate you in advance for looking into this matter on behalf of myself!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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:
In response to claim # XXXX Transunion has violated me by continuing to furnish an account with inaccurate information. The account for XXXX XXXX XXXX is being furnished to my consumer report and the balance is reporting XXXX separate amounts for XXXX, Transunion, and XXXX. I made Transunion aware of this error and the responded that my account has been updated. XXXX XXXX standards were not followed which is resulting in debt parking. This proves no investigation was done. This account needs to removed from my consumer report immediately. If not I will not hesitate to sue Transunion for damaging my character and financial ability through false reporting on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX/XXXX/2016 Financial Data Systems " Collection Agency '' stated in writing that they would DELETE XXXX collection accounts that I was disputing if they were paid. I paid the disputed amounts by credit card to resolve the matter and received a letter stating they had requested the accounts be deleted. However, after seeing that XXXX of the XXXX accounts had not been removed from my XXXX Credit Report as agreed. I filed a dispute with XXXX and provided the letter from Financial Data Systems. Today, I was informed that the Financial Data Systems has responded to the dispute but had not deleted the account as agreed! I called Financial Data Systems and the representative stated that if I Paid {$75.00} they would delete the account within 4 Business Days! This is extortion and a violation of both Federal and State Laws!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: U.S. BANCORP
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
First it was my unemployment card that got hacked or whatever game someone was and still is playing I see,. At the begining of the year they hacked my unemployment card I called card services and told them what was my complaint which was identity theft and they took care of i..Now come to find out someone's gotten a hold of my child support card and activated it and took XXXX dollars off of it.. I normally don't get my child support until XXXX of every year but for some reason my XXXX from XXXX XXXX called and asked me about if I had received some money and I was totally confused but he was right I had money deposited on the XXXX of XXXX and i didn't realize what had happened until the end of the month around the XXXX of XXXX I feel so bad that whomever did this Im guessing got away because the bank found no error .. that really hurts to know my XXXX baby girl could've used her money I don't know what else to do but I'm very angry agitated and heartbroken

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 2016-07-26
Company: MNE Services, Inc
State: IN
Product: Payday loan
Issue: Can't contact lender

Complaint:
Hello. For a few months now I have been receiving a very threatening email advising I need to pay a company by the name of US Fast Cash/ Adavance Cash XXXX a total of close to {$1000.00}. They are stating that if I do not make the payment they will take me to court. Multiple times I have replied back advising I would like a physical copy of the debt mailed to me via US mail as I am not paying a loan I never took out. I have to email them back as there is absolutely NO contact information listed in their email. The email address is XXXXXXXXXXXX which I do not believe to be valid for an organization. I will seek legal counsel if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: American Coradius International LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have an XXXX that was a victim of fraud. We were sent chargebacks for services we had contractually completed, but XXXX told us we lost the dispute. XXXX sent my business 's debt to collection and both the debt collector and XXXX informed me that the debt was to me personally, not my business. Both told me that although I have a business XXXX account, somehow XXXX circumvents this. Neither were able to tell me legally how this is possible or where in the XXXX user agreement this is stated, but told me I was liable none the less. Neither could tell me what information I can gather from a customer to avoid future fraud.

Company response to consumer: Closed with explanation