BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: JPMORGAN CHASE & CO.
State: CA
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:
Chase bank either miss read or received in accurate credit information when choosing to close the credit card, I checked XXXX and it shows my XXXX credit card issues by XXXX XXXX XXXXXXXX as closed with a balance ; however, it has been paid off in full and closed by me. I used the wrong checking account to make a payment and I admit I messed up but they just closed the account despite me making the payments. 

They made no attempt to contact me when the investigated the last CFPB complaint. 

I now have income to pay credit cards off no as well, they don't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Credit Acceptance does things not acceptable. High intestinal rates over 22.99 % APR constantly call and garraseconsumer. Hid the true cost of credit which set consumer up to fail, mislead consumer, dealer fraud, led to repossession. Please help Credit Acceptance is wrong

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 2023-06-13
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: KY
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, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft report. I fully authorize this notice and compliance. I have also mailed the respective CRAs my Identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : 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 2023-10-02
Company: Real Time Group, Inc.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
The lady said they usually require 10 % down and a 2-year payment plan with a balloon at the end. But it didn't seem like she was 100 % sure of this and they never sent me anything in writing. Below is my full story. Feel free to publish this information. 


I lost my job in XXXX of XXXX and couldnt make payments on either my first ( XXXX ) or second mortgage ( XXXX  XXXX XXXXI think ) for almost 2 years. I finally went back to work in XXXX of XXXX. After 3 months back to work I started the mortgage modification ( XX/XX/XXXX ) process on my first loan. And they put my mortgage arrearages on the back of the loan and I havent missed a payment since. At the same time, I tried to do the same thing with my 2nd mortgage company. But they refused to negotiate with me about putting the arrearages on the back of the loan and wanted an unusually large amount from me which I didnt have. Fast forward 12 years and they sent me a letter delivered by the sheriffs office saying they are going to foreclose on my home. This 2nd mortgage started out around $ XXXX and has now ballooned to {$150.00} because of all the interest theyve tacked on. Are they required to work with me? I feel that if theyve waited 12 years to start this process, they should give me the same amount of time to repay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: EQUIFAX, INC.
State: AR
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 been consistent with paying my bills on time. I am saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I did not understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$61.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have flood insurance and have submitted proof to the mortgage company TIAA and XXXX and they continue to add forces placed flood on my escrow. I have tried over 8 times to correct it and nothing gets done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute a negative item on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). As a consumer, I believe that my rights under the FCRA have been violated. 
According to the provisions of the FCRA, consumer reporting agencies are prohibited from including negative information in a consumer report unless the information is complete and up-to-date. The reported late payment on my credit report is inaccurate and in violation of the FCRA, as it does not meet the requirements of 15 U.S.C.

1681b ( 2 ) ( A ) ( i ), which states that consumer reports may not be furnished for employment purposes unless the consumer has given written permission. 
In light of these provisions, I respectfully request that you conduct an investigation into this matter and take the necessary steps to correct the error. If it is determined that the negative item is indeed inaccurate, I ask that you remove it from my credit report promptly. 
Please Fix these items, date, amounts update information to paid as agreed Accounts XXXX Account # XXXX These Late payments dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2023-06-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a detailed letter on what is wrong on my credit report and the credit bueraus are ignoring my request and nothing is getting done. I aslo do not want you the CFPB to deny my request and tell me I can't dispute this another time. I have the right to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: PA
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:
Equifax is making me very angry and the fact that you are trying to get away with criminal activity makes me take your agency to the media. The consumer reporting agency is INTENTIONALLY ignoring my claim and disregarding my rights. The agency is disregarding my rights purposely because they are saying my claim is to " verify '' or " validate '' accounts when I'm actually pointing out their unlawful practices. Equifax is reporting transactions and experiences which is against the law. The agency is also reporting items that are the result of a credit card. Please note, the instruments that I presented are the reason why they reporting agency is in violation of the laws and they are not allowed to look beyond me exercising my rights. Equifax also didn't respond to my request of the description of the procedures of the investigation because the agency did NOT investigate. The agency deleted accounts from my report because an actual HUMAN looked into my rights so that is proof XXXX broke the law several times and is getting away with criminal activity. The agency is also practicing aggravated identity theft as they are listing information from a company I don't have a contract with nor did I give consent to have my identity. DO NOT take this as a dispute. I am exercising my rights and if you send this demand through a computer, you are practicing criminal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: FIRSTBANK PUERTO RICO
State: PR
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:
( See more details in the included document named Dispute not solved Response to XXXX. ) XXXX did not sent their Dispute Results through the C.F.P.B. no matter I filed the complaint here.

Additional Information and Documents About My Dispute to Help XXXX Resolve It : Dispute Is Not Solved, on XXXX Credit File : XX/XX/XXXX ; Confirmation # XXXX ; account on page 4 o 6, and page 5 of 6 ; with account number ending in XXXX, date opened XX/XX/XXXX, appearing as Paid. 

1. My credit report is about this credit card account, still has to be corrected.

- Santander never reported the 48 monthly payments made of the Certified Payment Agreement as Paid As Agreed, one every month while agreement was active, last 2 payments in just one on XXXX XXXX XXXX. 
Instead : XXXX REPORTED 48 LATE PAYMENTS!!!! 
See XXXX Credit File Included page 4 o 6 and page 5 of 6 - This account was originated and paid, only at XXXX XXXX XXXX XXXX ; NEVER TO A COLLECTION AGENCY. 
just before they left this Island of XXXX XXXX, Paid as Agreed with XXXX XXXX XXXX on XXXX XXXX XXXX, see Merge Result, PDF, all of the 47 monthly payments of {$120.00}, and last payment of {$100.00} in XXXX XXXX XXXX pages 36 - 38 ( pages 3-5 pdf ) - This account was not a loss ; It was Paid in Full to the original Bank, XXXX 2 XXXX XXXX wanted to sell this same account to a Collection Agency, WITHOUT NEVER INFORMING IT TO ME BEFORE I ACCEPTED THIS PAYMENT AGREEMENT, after the 1st monthly payment of the Certified Payment Agreement was paid.. 

No matter this XXXX Credit File of XXXX XXXX, XXXX, for the first time since XXXX XXXX XXXX when account was Paid in Full, shows this account as Paid with a XXXX Balance in any credit report : - it is still reported as a charge off account, when is not true ; this has to be corrected, see XXXX Credit File page 4 - It was Paid in Full directly to the original Bank, XXXX ; this has to be reported with precision - all cash payment receipts are included : see photos included- all payments were made to the original credit card account number ; credit card photo included and receipts- The 2 letters certifying the start of the agreement and the end of it are from XXXX, both included ; there is no collection agency certifying it was paid, but XXXX XXXX from XXXX XXXX, See XXXX XXXX XXXX XXXX, and XXXX Balance Notification, also from XXXX XXXX. 
- The XX/XX/XXXX Payment Receipt appears without the XXXX stamp ; the female officer at this branch, made an additional printed receipt where she put the XXXX stamp, twice, but I was unable to find it on time. 
I believe this payment was made by myself at XXXX main branch in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: EQUIFAX, INC.
State: NC
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: MI
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 XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Credit Card ending in XXXX, XXXX Card number XXXX XXXX XXXX XXXX, Expiration date, XX/XX/24 Security Code XXXX, opened XXXX, Closed XXXX XXXX XXXX XXXX  Account Number XXXX, opened XXXX XXXX Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX, Closed XXXX XXXX XXXX Account Number XXXX, opened XXXX, Closed XXXX15 USC 1681 ( A ) ( 4 ) States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Therefor pursuant to 15 USC 1681 ( A ) ( 4 ) I the consumer own my right to privacy, It can not be taken away, and there is no such thing as a public record for a consumer. I did not give my right to privacy to Equifax to publicly report anything. Pursuant to 15 USC 1681 ( A ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. A consumer reporting agency can not furnish an account without my written instructions. I would like to state that Equifax is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer, I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is Identity theft. I have enclosed a Identity theft report which states the four closed accounts and a Inquiry are being illegally furnished on my consumer report. If they are not removed I will not extend my credit my credit to anyone or allow Equifax to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports.15 USC 1681 ( a ) ( 4 ) states ( a ) Accuracy and fairness of credit reporting ; ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax is violating the united states codes and should delete these items off of my consumer report or face legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: CNG FINANCIAL CORPORATION
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a check and go loan, that kept pulling out of my account, when I was paying in person, with medical bills and cost of living going up, I had to default

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Williams & Fudge, Inc
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted by Williams & Fudge on XXXX XX/XX/2023 in reference to alleged debt owed, I stated to the representative that this account had already been resolved and there is no reason for them to contact me on this matter. The representative stated that regardless of it being resolved previously this amount is still owed. I asked if i was intended to pay this amount that was previously owed and resolved and the representative responded with yes, I would have to pay again for the alleged outstanding account. I asked them to provide evidence that this account was not resolved, and I would be retaining a Lawer on the matter. The representative responded, " come on what lawyer are you going to get, who is your lawyer ''? This type of behavior is a form of harassment commonly reported in association with this company and is a form of intimidation and ridicule intended to be used in predatory tactics..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. There is an account with no name and the acct # XXXX and XXXX XXXX. There are also inquiries on there that are not mine 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 contact the FTC and local police.

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 2023-06-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX, XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Comerica
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
We have been attempting to access my online account to download two months bank statements needed to rent an apartment. Every time we call Direct Express we are told that someone from tech support will call us back withing XXXX hours. Yet, no one calls us back. We are about to lose this apartment because Direct Express refuse to do their jobs. The bank changed their website several months ago. The information on the new site says that if you are not using their app, you have to change your User ID and Password, but when you try to do that, the system claims the card is already registered. When we try using the old User ID and Password, it tells us to call the Direct Express Customer Service number. There is an option on the menu for website support, but all they will do is turn in work order that is never responded to. We are about to lose this apartment.

Company response to consumer: Closed with explanation