BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
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:
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 U.S.C 1681. XXXX  Name : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX. 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2019, at XXXX I attempted to make an ATM withdraw using my American Express BlueBird Credit Card ( XXXX ), at XXXX Gas Station on XXXX XXXX, XXXX XXXX, FL XXXX, for the amount of {$740.00}. 

During this transaction, the ATM attempted to dispensed the money, however, the ATM door never opened, and the transaction was over. I quickly through up my hands stepped back, and called for a store manager. 

The General Manager of the XXXX came over, I explained the situation, and she advised they don't have anything to do with the ATM, and gave me a number to file a claim, ( XXXX ). 

In speaking with two Agents, they confirmed there is nothing they could assist with, and I need to call my Credit Card Company, ( American Express BlueBird ), and file an claim with them. 

Since XX/XX/2019, I have filed a claim with American Express, who advised I would receive an provisional credit within 10 Business Days. In addition, I was able to speak with Executive Office for XXXX, who provided additional information regarding filing a claim through them, however, the request would have to come from General Manager for that XXXX.I called and requested for the General Manager to place a req to have the ATM check, and she said she couldn't get involved. 

I'm sending this complaint, due to American Express Bluebird, still hasn't sent the follow-up email to provided them with additional information, nor do they have any since of urgency to assist with resolving this matter. 

My back is also up against the wall with the fact, I was withdrawing the {$740.00} to pay my car payment that is due on XX/XX/2019. 

Please understand my car payment can not be late, or I will go 30 days past due, and I'm trying to buy a house. 

I understand there is a process, but no one I have reach out to has acted is if they care. Everyone just keeps saying the same thing, contact your bank, and American Express bluebird keep saying, we have a process. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, I called Chase Bank to report an unauthorized transaction on my checking account which was listed as a {$400.00} withdrawal dated XX/XX/2023. I did not make that withdrawal and did not loose my debit card. Chase provided a temporary credit for {$400.00} and opened a claim. 

On XX/XX/2023, Chase reversed that claim which left me {$400.00} out of pocket. I did not receive written notice of the reversal nor did not receive any explanation from Chase. 

On XX/XX/2023, I called Chase to follow up and was informed that they could not be of further help. Chase did not provide any evidence that the transaction was authorized. 

I have filed a police report with XXXX and am now writing to seek the CFPBs assistance to obtain reimbursement for this fraudulent transaction which was committed while I was in continued possession of my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 {$1000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my 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 2021-04-05
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX and I have been contacted via mail by the company 'Receivables Performance Management LLC ' on a debt that is owed to XXXX XXXX. ' I have never had services with XXXX XXXX, nor ever resided at the address that the debt is tied to. 

I have contacted the collection company to let them know, it is not my debt- They advised to fill out a police report and contact the credit bureaus which I have done. The credit bureaus explained to ensure to reach out to the FTC which redirected me to the CFPB. 

The 'Receivables Performance Management LLC ' company has already taken a hit on my credit, when this is a debt that I do not owe. I am attempting to ensure all steps are followed correctly so this 'collection ' will be taken off my credit report correctly and in a timely manner. 

Thank you, stay safe. 

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 explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
As I educated myself on Fair Credit Reporting Act, I asked XXXX, XXXX, and Equifax several times over the past year or so to reinvestigate these accounts listed below : XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX In accordance with the Fair Credit Reporting act these reporting 's has violated my federally protected consumer rights to privacy my livelihood and confidentiality under 15 USC 1681 Act. However, they stated that everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is still incorrect. Closed accounts are written off and considered income. Income dose not report I want them removed as well. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. XXXX, Equifax, XXXX did not do so. 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-XXXX ( 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. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. Certified Mail Receipts XXXX : CR # XXXX CR # XXXX CR # XXXX : ( XXXX ) CR # XXXX CR # XXXX CR # XXXX and many more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 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 in accordance with the Fair Credit Reporting act XXXX XXXX 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 in accordance with the Fair Credit Reporting act XXXX XXXX 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 in accordance with the Fair Credit Reporting act XXXX XXXX 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

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 2023-06-26
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am writing to urgently request the removal of fraudulent information from my credit report. Upon reviewing my credit report for the purpose of purchasing a house for my family, I discovered multiple accounts, addresses, and names that are completely unfamiliar to me. This misinformation is damaging my creditworthiness and hindering my ability to secure a mortgage. 

Fraudulent Accounts : 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 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 I have never been associated with these accounts, addresses, or names. I request an immediate investigation into this matter and the removal of all false entries from my credit report. The impact on my creditworthiness is severe, and I need this matter resolved promptly. 

Please provide me with the necessary steps and documentation required to support your investigation. I am willing to cooperate fully and provide any additional information or evidence as needed. 

Kindly confirm in writing once the fraudulent information has been successfully removed from my credit report. Additionally, I request a revised copy of my credit report to ensure complete resolution of this issue. 

Thank you for your urgent attention to this matter. I trust in your ability to rectify this situation promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07
Company: Diversified Adjustment Service, Inc.
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:
I notified Diversified Adjustment regarding an unfamiliar account. The representative hung up the phone and my letters have not been answered. 


Account information : Diversified Adjustment XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Like many people, my student loan payments came back into repayment in XXXX. In the span of one week, I received wildly different information from Mohela regarding my repayment plan. On XXXX XX/XX/2023, I was told that I would owe {$320.00} per month, starting XXXX XX/XX/2023. On XXXX XXXX, I was told that I would owe {$1000.00} a month starting XXXX XX/XX/2023 ( both letters are attached ). I am part of the Public Loan Forgiveness Plan, so picking the correct payment plan is essential to being able to have the balance of my loans forgiven. I wrote to Mohela about this, and they took over a week to get back to me. When they did, they simply told me to call customer service ( a screenshot of our correspondance is attached ). I have spent over one hour trying to reach someone on their customer service line ( see my screenshot from XXXX- this was my second call today ) and it is absolutely impossible to speak with someone. I am not at risk for being punished for missing my payment ( putting my loan forgiveness in jeopardy ) after they provided me with contradictory information and then stopped providing information altogether.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: VA
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2020-12-27
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: 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 {$11000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO LOAN OR LEASES 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my 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 2019-06-29
Company: Credit Bureau of Carbon County
State: CO
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:
Disputed a collection account being reported on my XXXX and XXXX credit reports from Collection Center, Inc. of Wyoming. Sent dispute letters via U.S. Mail  on XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX and XXXX claimed that this debt was verified all four times, but was offered no proof that this debt was indeed mine. Since no proof was offered that this debt was mine, I demanded that this account be removed from my report. As of the writing of this complaint the account has not been removed. I also contacted the collection agency and they also have been unable to prove that the debt is mine nor have they removed the account from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Please be so kind and address this, as this mortgage company has a habit of trying to foreclose on properties that are not past due per my past emails and proof to your office last XXXX. I will submit the necessary documents to you to begin addressing this issue again. I made XXXX payments in XXXX for XXXX and XXXX. Said payments were for {$1900.00} withdrawn from my checking account on XX/XX/2022 and for {$1900.00} on XX/XX/2022. My XXXX time being a bit late. I contacted Carrington, regarding in advance. I had a minor set back due to unforeseen circumstances, but I am not late. This is in addition to said company reporting to the credit bureaus on the XXXX and XXXX of the XXXX. I also enclosed proof of XXXX payment. Law states that mortgage cant report until XXXX XXXX. Please be so kind and rectify this travesty of justice. This company has been fined by the CFPB for rogue practices and now I need your help again. They have several lawsuits against them for violation of RESPA, the Fair Credit Reporting Act and etc.. Payments have been misapplied apparently or not applied, as this is a tactic used by Carrington to foreclose. There are XXXX of complaints and numerous lawsuits against Carrington for their rogue practices and knack for trying to, illegally, foreclose on people 's homes illegally. This company needs to be shut down, as they are destroying people 's lives with their tactics. 

Below are a couple of the many links that reference the issues consumers have with Carrington 's illegal practices : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Disputed a collection account being reported on my XXXX and TransUnion credit reports from XXXX XXXX, XXXX of Wyoming. Sent dispute letters via U.S. Mail on XXXX, XX/XX/2019 and XX/XX/2019. XXXX and TransUnion claimed that this debt was verified all four times, but was offered no proof that this debt was indeed mine. Since no proof was offered that this debt was mine, I demanded that this account be removed from my report. As of the writing of this complaint the account has not been removed. I also contacted the collection agency and they also have been unable to prove that the debt is mine nor have they removed the account from my XXXX credit 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 explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: OR
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 USC 1681 - ( 2 ) ( A ) ( I ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s-3 of this title, Any- ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a Violation of the FCRA to report " Late Payments '' as that is a Transaction.

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