BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-08
Company: Experian Information Solutions 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 {$1200.00}, {$9300.00}, {$4700.00}, {$10000.00}, {$6500.00}, {$7000.00}, {$1900.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account.

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.

5. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6500.00} -This is not my account.

-- AUTO ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account.

7. XXXX XXXX XXXX   with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$1900.00} -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 2023-02-17
Company: EQUIFAX, INC.
State: NV
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 you because I am concerned about the accuracy and honesty of bureau 's data. According to FCRA section 611, It Is important that we have accurate records on file with those who rely on them most- including not Just customers, but also potential lenders or employers. After doing some research into Metro 2 compliance standards I have found that there may be some inaccuracies in reporting going forward. If these issues are not promptly resolved I would love any feedback possible before taking action against you later down this rood together. The inaccuracies that are currently my report are having a serous negative impact on my quality of life The data on my credit report is of high importance and is currently not a representation of who I am financially because it is inaccurate I am demanding accurate documentation so you can document me- the person who deserves status, Society - correctly Please make sure that all inaccurate are removed Immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
the account does not belong to me and is fraudulent, police report and Federal trade commission was informed Bank of America and continues to report fraudulent information after putting on notice that the account was a fraud and was not open by me

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 2023-02-17
Company: Experian Information Solutions Inc.
State: MI
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-14
Company: Experian Information Solutions 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:
On XX/XX/2019 I received an email alert from Experian advising me that my email address has been changed. I immediately called Experian and have been unsuccessful with speaking to a Representative. I've made numerous attempts and three via email in writing after unsuccessful attempts by phone. I followed the instructions in the email provided by Experian on XX/XX/2019 and replied to the email on XX/XX/2019, XX/XX/2019 and XX/XX/2019. Experian has allowed someone else access and full control of my credit report. I attempted to logon and an email address ending with domain XXXX has access. I have never had a XXXX  email and never authorized my email to be changed. 

I already have fraud alerts on my credit report and my credit has been compromised from the XXXX data breach and this is the reason Experian allowed me free credit monitoring. My credit is now in full control of a third and it has been compromised and I'm curretnly disputing accounts that is not mine.

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 2021-02-08
Company: JPMORGAN CHASE & CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Vehicle was turned in at the lease termination date of XX/XX/2020 in accordance with the original lease contract. JPMorgan Chase sent me a bill for {$2200.00} ( Letter dated XX/XX/2020 XXXX representing property taxes owed to XXXX County VA. Five problems result from errors in this billing notice : 1 ) The tax bill submitted to me by JPMorgan Chase associated with the property taxes of {$2200.00} would cover the entire year, not the portion of the taxes I would be responsible for. In my estimate I owed Chase {$930.00} representing the proration of the yearly tax obligation covering XX/XX/XXXX XX/XX/2020. This amount was paid by me on XX/XX/XXXX, following countless phone calls in an attempt to resolve. And while I did not have all of the details associated with the property tax bill, this was my estimate. 

2 ) JPMorgan Chase failed to report the vehicle as being off lease on XX/XX/XXXX ( my end of lease term ) and reported the off lease determination as XX/XX/2020. As a result XXXX county adjusted the original property tax bill to represent a prorated amount to reflect 8 months of taxes due or {$1400.00} ( the math ( ( $ XXXX ) XXXX ) - registration fees of {$31.00} ) = {$1400.00} ). Obviously this is an erroneous calculation and date, as the vehicle was off lease on XX/XX/XXXX, not XX/XX/XXXX. 

3 ) JP Morgan Chase has failed to resolve this issue in a timely manner after multiple attempts covering 5 moths, giving rise to the fact that I may not be alone in how JPMorgan Chase is attempting to overcharge clients for property tax bills for autos coming off lease. Additionally, JP Morgan Chase has no process to correct the erroneous dates and adjust the tax bills with XXXX  County. 

4 ) When Calling JPMorgan Chase they make clear that the call is being recorded for the purposes of collecting on a debt being past due. My debts have all been paid on time, despite JPMorgan Chase indicating the account has been charged off.

5 ) My estimate of taxes owed on the vehicle was actually incorrect, I over paid JPMorgan Chase {$1.00}. If JPMorgan Chase did not give me the runaround for 5 months, I would have dropped the reconciliation issue of {$1.00}.

Since my time is valuable, I want to see the final correct calculations, a refund in the appropriate amount, and a letter from JPMorgan chase indicating my account was always paid as agreed, including at the lease termination date and the account was closed without dispute or any negative information. 

This is not a difficult case, but no one seems to see this as their responsibility to resolve an obvious operational error in submitting the wrong off lease date and billing. After 12 attempts over 5 months, I give up!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was charged interest during the student loan pause on XX/XX/2022. Which was supposed to be included on my bill, and I had requested to have my loans consolidated and move to another company in XXXX. But this company continued to charge interest on my federal loans. I was then told the bill was overdue and that I had to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: National Credit Systems,Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I officially moved out of XXXX XXXX apartments in XXXX, XXXX on XX/XX/2022. On XX/XX/2022 I received an email from them with my last invoice and that total was {$220.00}. They said, that I had 30 days to pay it in the email. On XX/XX/2022 I went to XXXX and made a cashiers check so I could drop off the remaining {$220.00}. I live right down XXXXhe street from XXXX XXXX so, I decided to drop off the cashiers check. They gave me my end of the stub and the {$220.00} was deducted from my account on this day. The manager told me I was good and the account was satisfied. I just checked my credit XXXX, XXXX  and I had an amount of {$220.00} sent to a collection agency from XXXX XXXX. This is blemishing my credit and is frustrating because I have a collection agency asking me to pay this amount again and having my credit impacted by this when I already paid the amount due. Thank you for your time and I hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Acct # XXXX Chase Mortgage Property address : XXXX XXXX XXXX, XXXX XXXX, Fl XXXX Complains : XXXX XXXX I am trying to reach Chase regarding this Home Equity Loan. I request these twice already. I can not recall any of these transactions. I request copy of paper checks showing my signature. I am only requesting this because I moved many times around Florida and I do not remembered making these transactions. Chase send me a computer screen shot printed but they said that they won't provide additional information because they are unavailable. 
I can not understand why they send me with a XXXX but they do not have proof of my signature on this transactions. I want this to be corrected. Why they are sending XXXX without evidence. 
I am requesting something simple. Why they do not have evidence or prove? Why they are sending a XXXX without evidence?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Experian Information Solutions Inc.
State: HI
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 was checking my XXXX  ID personal protection Today and there are several delinquent recorded debt information from creditor, some of which can't be verified, saying that there is adverse credit information from 7 creditors which some I know are credit cards but others can't be determine. 

This information was obtained from experian. 

As I indicated to you there as but and on going problems with creditors and banks, which has been filed.

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX Transunion XXXX Are all reporting false information of collection accounts from collection agencies I never did business with these collection companies has no documentation with a signature from me this is false reporting wish us against the law Im requesting that they are removed IMMEDIATELY

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 2023-02-28
Company: Park Hill Holdings
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: Public record information inaccurate

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.

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. 

I applied for XXXX apartments and was denied for both because of the incorrect information that was given to the screening companies. They were given that the information that I had multiple evictions which aren't true!!! I'm still in the apartment that they are claiming that I had the evictions from. This has costed me money and has caused great stress and now I because my lease is ending I will have to live in a hotel to sort things out.

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 2023-03-01
Company: EQUIFAX, INC.
State: LA
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 submitted a letter to them but I never receive any response or notification on what happen on the investigation they were suppose to do regarding the accounts I mentioned on the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Convergent Resources, 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: Account status incorrect

Complaint:
I sent in my written disputes, according to the Fair Credit Reporting Act sections 609 and 611 all of these collection accounts shall be removed from all of my credit reports.

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 2020-11-04
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was recently informed of fraudulent accounts on my credit report and these are causing financial difficulties/hardships due to the negative effect to my credit report I have recently disputed other fraud that was detected and the items were removed. However I have just noticed more that recently popped up.

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 2023-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The constantly call Im not sure the dates its a lot. They call me by my first name my nickname and I told him now not to talk to me like that they dont know me to call me like that and then they tell me that theyre collecting at that and Ill tell them to stop calling me because sometimes before XXXX XXXX  and sometimes after XXXX XXXX  I told him to stop calling me. They tell me theyre gon na keep calling me. I keep hanging up block the number they call from a different number, Im XXXX XXXX XXXX and XXXX enough is enough

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I took a loan with Capital One Auto Finance in XX/XX/2017. I have made every payment on time. Capital One 's agreement was to charge {$230.00} per month. I signed up for this. Now after 11 months, Capital One is charging {$230.00} per month while NOT applying my payments to the amount due per month while taking interest payment. The loan has been paid ahead. Capital One has told me that I can not make payments more than 30 days in advance which MAKES ZERO SENSE. Their goal is to bilk the interest while penalizing me for paying ahead. They SHOULD NOT by law be able to take interest on the loan IF NOT APPLYING IT TO THE MONTHLY LOAN PAYMENT. They SHOULD NOT RAISE the monthly rate, as this was not deemed an adjustable loan, but a fixed monthly payment! I have asked several times why Capital One is doing this, and I get convoluted answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them.

Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State.

This is my last warning before I proceed to bringing legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX  Account number : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and 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. 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 ) 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 crime 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 suddenly moved during the pandemic and I alerted the Company. My address was not updated and I do not have online access and never set it up. The law requires that I must receive my bill in time to pay it which I did not. The company refused to remove late fees interest and a XXXX late from my report stating that I had online access when this is not true. If this isn't resolved I will contact the ombudsman of the CFPB to intervene. I have never been late and my account had a XXXX balance.

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