BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-19
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Without contacting me, this company has put a negative mark on my XXXX credit report. 

I had already disputed this debt with the Consumer Financial Protection Bureau 6 months ago. The debt is not owed and is the result of fraudulent billing practices. 

I closed my XXXX account in person over a year ago. The XXXX representative was friendly, everything was done, there was no equipment that I owed. 

I would be interested in joining a class action lawsuit against this billing practice, if there are any lawyers out there listening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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:
I reviewed my credit report and found grave error with TransUnion, XXXX and XXXX reporting to my consumer report as late, missed or charged off, because of thus I am being discriminated against to extent my credit. Account are : XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX are reporting as late or missed payments. 

XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. These accounts are reporting as charged off, these accounts where never late or missed a payment I have repeatedly requested TransUnion, XXXX and XXXX to validate these account and updated accounts.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2023-10-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023, there was a XXXX of {$1500.00} that was sent under XXXX 's profile to a XXXX account that was not authorized by us. We called Chase immediately to dispute this transaction and file a claim. Chase told us that it would take at least 10 business days to approve or deny the claim. We followed up on this claim and was told the claim was denied. Confused on why Chase was denying responsibility to an obvious bank error we requested to reopen the claim. It was reopened and later we were told that it was again denied. On XX/XX/2023, we spoke with Claims Management after being hung up on by one another one of the supervisors. Throughout the entire process, Claims representative was rude, belligerent, unempathetic, and inconsistent in their explanations. On XX/XX/XXXX, I spoke with XXXX, a Claims manager, he said that the XXXX was sent to a company by the name of XXXX XXXX XXXX XXXX via an email address XXXX. I explained to XXXX that there was no way we could have mistakenly entered an incorrect email address. That this is obviously a bank error. I even offered to send in proof via email. Instead, I was yelled at by the representative and told that there was no way Chase system could have made an error. I requested to speak with a manager and was told that a manager would have to call me back in 24 to 48 hours. I received a call on XX/XX/XXXX from XXXX. During this phone call XXXX explained to me that she sees that XXXX entered the intended phone number of XXXX. Yet, she could not explain why it was sent to the wrong recipient even though on the same day I sent the same amount ( XXXX ) to the same number ( XXXX ) and it was received by the correct recipient. She could not explain why it happened but insisted that the bank could not recover funds so they would not refund the {$1500.00} even though it is obviously a bank error. On XX/XX/2023, I spoke with XXXX, another supervisor in the Claims department. I was told by XXXX that she could not see what information was entered. As mentioned earlier, every time I speak with a Chase representative, I am being told different information. I've explained that this {$1500.00} is costing us XXXX of dollars because it has caused our account to be overdrawn and preventing us the ability to get approved for a merchant advance. This merchant advance is what we would use to purchase equipment and make sales that would generate upwards of {$30000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: FL
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 sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA the term `` investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to 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 2018-12-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Received in the mail Trial Modification Plan from Select Port Folio and the 1st payment is due XX/XX/XXXX. Also received a property foreclosure sale letter form Select Port Folio stating there is a property foreclosure sale set for XX/XX/XXXX for my home. 
I just received the modification papers and I'm concerned my house will be sold even though I've received the modification documents with a mortgage payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Trott Law, P.C.
State: MN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Search Results XX/XX/XXXX Here you go Guaranteed XXXX XXXX Closing Date - Through Certificates XXXX XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX. 

Here 's the Proof. House Joint Resolution 192 - 100 % Proves ALL DEBT ARE PAID that pertain to the LEGAL FICTION/CORPORATION/DEAD ENTITY . 

I canceled all powers of Attorney back in XXXX, it's all in Public Record unrebutted ... Trott Law, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and Employees stole my identity. 

These Corporations and people involved with the highly illegal/unlawful Auction attempt XX/XX/XXXX owe us XXXX in Compensation. 

We will be making no more payments as The Mortgage is FRAUD via Grammatical Deception + Null and Void via Bifurcation. No one has the Note except for the TRUST, I have the CUSIP proving Chain of Title is Factually broken. The Note is now a Security. XXXX XXXX has/is committing Security Fraud by Double Dipping. Yall got caught. 

The CFO/CEO has permission to XXXX the Account via my DECEDENT ESTATE. The Bill shows a Positive Number in the XXXX XXXX XXXX, I ACCEPT that amount, XXXX the Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: ALLY FINANCIAL INC.
State: TN
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:
My auto loan with Ally Financial ending account # XXXX was paid in full on XX/XX/2021 through a trade-in. On XX/XX/2021 I received email confirmation that the title was mailed to the Dealer that the vehicle was traded in at. 

On XX/XX/2021, Ally Financial erroneously reported the account 30 days delinquent. 

On XX/XX/2021 I called Ally to report this error and ask that they fix this reporting. As of XX/XX/2021, this is still being reported as a delinquent account on my credit report. 

This in turn has caused me to be declined credit that I applied for.

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 2020-02-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XXXX XX/XX/XXXX TOYOTA MTR XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Experian Information Solutions Inc.
State: PA
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:
My credit reports are showing that my XXXX store credit card, issued by XXXX XXXX, was charged off in XX/XX/XXXX. This is an old account that was actually charged off in XX/XX/XXXX and this inaccurate date caused my credit score to drop because it looks like I have a recent delinquency when, in fact, I do not.

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 2023-06-16
Company: Experian Information Solutions 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:
15 UC CODE 1681B : Permissible purposes of consumer reports Hard inqiries have no permissible purpose to be on my credit report. They are 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 explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: AZ
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 2023-05-24
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Approximately XXXX the Resurgent collection agency instructed a private XXXX XXXX XXXX seize my XXXX XXXX XXXX I Own since XXXX, without a notice. The debt collector refuse to send a validation notice and fail to respond to your verification letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2021-09-30
Company: Harris & Harris, Ltd.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I've been disputing this account for months to no avail. I have never received anything at all from HARRIS & HARRIS LTD, NEVER. That is their first violation of the FCRA. They have never responded to any of my disputes or mail, their second violation of the FCRA and a violation of the FDCPA. They have not complied with either of those laws. They have caused me defamation of character, and they have caused me many financial damages!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not familiar with the inquiries mentioned, and I kindly request that you address this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, 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 am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 XXXXAmerisave Mortgage Corp, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA ( and other addresses ) placed a hard inquiry on my XXXX XXXX and XXXX  credit bureau records. I have not done business with this company, applied for employment with this company or applied for a mortgage with them. I do not currently hold a mortgage with them or any other mortgage company. I have not applied for a mortage with in the last two years with any other mortgage company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-05-31
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: CITIBANK, N.A.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
i do not know where those inquiries came from.

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 2023-06-29
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am writing to file a formal complaint against Prestige Financial Services Inc. regarding the illegal repossession of my XXXX XXXX XXXX, which occurred on XX/XX/XXXX. I believe that Prestige Financial Services Inc. violated the terms outlined in my consumer credit contract, as well as federal regulations, specifically 16 CFR 433.2 ( b ) and the Federal Trade Commission Holder in Due Course Rule. Presige was sent certified corespondence by mail detailing the violations and asking them to provide specific information as well as cease and desist. Prestige instead ignored the written corespondence in its totality, then proceeded to knowingly and willingly continue to violate by participating in the unauthorized sharing of fraudulent information with third party credit reporting agencies. 
Violation of 16 CFR 433.2 ( b ) : According to 16 CFR 433.2 ( b ), " The creditor shall not engage in conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. '' I believe Prestige Financial Services Inc. violated this regulation by utilizing an unauthorized third-party towing company, XXXX XXXX , to repossess my vehicle without proper authorization.

Violation of Federal Trade Commission Holder in Due Course Rule : As a holder in due course, Prestige Financial Services Inc. is required to adhere to the Federal Trade Commission Holder in Due Course Rule. This rule stipulates that a holder in due course must ensure that all aspects of the repossession process are conducted in a legal and compliant manner. By employing an unauthorized third-party towing company, XXXX XXXX , to repossess my vehicle, Prestige Financial Services Inc. has failed to fulfill its obligations under this rule. 
Incident Description : On XX/XX/XXXX, my vehicle was unlawfully repossessed by XXXX XXXX on behalf of Prestige Financial Services Inc. Neither XXXX XXXX nor Prestige Financial Services Inc. had obtained proper authorization or provided me with a notice of intent to repossess as required by law. The repossession took place without any prior communication or warning, and it was conducted in a manner that caused unnecessary distress and inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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:
Remove the account as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: MIDFIRST BANK
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company is charging me {$770.00} for my annual homeowners insurance for escrow purposes when the actual cost is {$720.00} per year. I confirmed the cost with XXXX XXXX and they called Midland Mortgage to provide this info. I asked Midland to change the amount and readjust my payment. My escrow shortage for this year was {$65.00} plus odd cents. I paid {$150.00} but they are still charging me extra for non payment of the shortage. I requested a response to these inquiries in writing but have received no response to date.

Company response to consumer: Closed with non-monetary relief