BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-24
Company: ENCORE CAPITAL GROUP 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: Personal information incorrect

Complaint:
Midland Credit Management had been deliberately and with malicious attacks against me and my credit report. This is the second filing against them on the past two weeks. They still haven't stopped their first set.of offenses but now they have retaliated and committed privacy invasion and reported a new address to XXXX  that has my address in North Carolina! I live in Texas and never lived nor been in North Carolina ever. Midland Credit Management knows all too well my correct address but since my first reporting to CFPB and XXXX  they have demonstrated more havoc. I am asking that CFPB please escalate this matter on my behalf as this company has already committed acts.against me legally and federally by exposing my credit and personal information to the wrong address as well as invasion of my privacy with the privacy act laws and also harassment and discrimination as well as ADA compliance of the Americans with Disabilities Act. This company needs to be stopped now. This is getting out of hand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX  you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: MN
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:
My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. I dont live at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 Please remove all these addresses that dont belong to me. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681s-2 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 2023-06-13
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I do not have any knowledge of this company this is my XXXX attempt!!! They have not provided the information that I requested previously!!!!! I want compensation from this company for fcra violation these accounts are being reported fraudulently!! The account is being reported XXXX times which is damaging my score I am near homeless!!!! Final attempt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Please refer to existing complaint ID XXXX A letter received from Chase Bank dated XX/XX/2023 confirms the fraudulent activity to my savings account was not authorized on my behalf. Chase bank has approved my claim. 

Additionally, Chase Bank states on this letter that I am to contact " law enforcement '' to lift the alleged hold on both my savings and checking accounts. The only law enforcement officer I have been in contact with since the inception of this claim, XXXX  XXXX of XXXX XXXX XXXX Sheriff 's Dept., has repeatedly stated that this department has not placed any type of legal hold on these accounts. 

I've reached back to Chase Bank on multiple occasions since receiving their response and the Leins and Holds Department restates the same phrase, " Due to the nature of this case we can not give you any further information ''. 

Apparently I will need information as to what law enforcement has placed a hold on these accounts, and I find it very unfair of Chase not to provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I have asked them multiple times to remove all these alerts on my credit file I am trying to buy a house This is my second attempt to get these alerts removed. 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 disputing anything on my credit report as of today. Please open my credit file if you'll have any type of block on it thank you. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/XXXX I signed a lease with XXXXXXXX XXXX XXXX for 52 weeks set to end XX/XX/XXXX at the amount {$210.00} a week. I paid a deposit of {$210.00}. On XX/XX/XXXX I advised the owner that I would be terminating the lease on XX/XX/XXXX. The owner advised me that I would have to pay until he finds someone to lease the space. On XX/XX/XXXX the owner took a unauthorized payment of {$210.00} out of my bank account. I advised him to reverse the payment as he had a new tenant and my obligation had been met. He refused so I had the payment reversed by my bank. Her advised me that he signed a new tenant to the space on XX/XX/XXXX so I owed him one week still. Because I paid a deposit in the amount of {$210.00} that amount would be eligible to cover the stated week per my lease. The owner threaten me that if I had the payment of {$210.00} reversed he would come after me for {$4000.00}, even though he already had someone in the space. The owner then sent my account for collections without even sending me anything stating what debt was owed and why. I advised the debt collection agency and they disregarded my emails and phone calls showing proof that I did not owe the debt and placed the account on my credit report for the amount {$2700.00}. He submitted false payment records to the credit collection agency and intentionally misrepresented my payment history. My last payment was XX/XX/XXXX ( which was reversed ). However he reported that my last payment was XX/XX/XXXX because the new tenant that signed the lease with him left the space in a few weeks he is now trying to come after me for the remaining balance of the lease that was broken by the new tenant. I have payment history from my bank and email communications with the owner and the credit collection agency for proof of all of this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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: Account status incorrect

Complaint:
XXXX XXXX  OPENED XXXX XXXX AND BALANCE IS {$480.00} I REPORTED THIS ACCOUNT AND TOLD THEM THIS WAS FRAUD FOR XXXX AND EQUIFAX . 

XXXXXXXX XXXX -OPENED XX/XX/XXXX {$490.00} I REPORTED THIS WAS FRAUD AND TOLD THEM IT WAS FRAUD FOR XXXX AND EQUIFAX . 

XXXXXXXX XXXX-OPENED XX/XX/XXXX {$510.00} THIS ACCOUNT IS ON EQUIFAX, BUT NOT ON XXXX. THIS ACCOUNT DELETED OFF XXXX, BUT NOT EQUIFAX. EQUIFAX SHOULD HAVE BEEN DELETED THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 fair credit reporting act XXXX  account XXXX Has violated my rights.

15 U.S.C 1681 section 602 A. States that i have rights to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without 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 2022-08-08
Company: Hosto & Buchan, PLLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2022, a garnishment for the amount of {$300.00} was taken out of an account I opened roughly 4 months ago. This completely drained the balance of the account, that is only set up in order to receive a discount on a loan. I was not served papers or notified of this garnishment. I have not received any mail, phone calls, or emails about this garnishment. The information I received has my maiden name on it, which I have not had for over 12 years. My phone numbers haven't changed in 20 years, my email address has been the same for 12 years, and I have had another checking account active for over 18 years. They also could not confirm my previous address. They did not email me the information about the case that I requested. The first time I called the attorney 's office and asked a few questions, the gentleman I was speaking to hung up on me. I attempted to look up the court case in XXXX XXXX ( where they told me the judgment had taken place ), and there is no record available. That's not even the current county court, as I have no lived in XXXX XXXX in over 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX XX/XX/XXXX {$18000.00} REPORTING LATE PAYMENT XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2021-03-27
Company: LDF Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was told the total amount of the loan inter is simply XXXX $ every XXXX . I asked multiple times what their APR is she insisted that there in no APR. And that it is only the XXXX $ every XXXX XXXX. She failed to mention that, thats every two weeks. So by paying them a minimum payment, I would never catch up and continue paying them for over a year. I was affect by XXXX  and temporarily lost some of our income. I elected to stop payments to them from my bank and try to reach a decision. I have reached out today awaiting a response back. However, I find it highly unfair, and downright scandalous the way they went about this. I send this to CFPB in hopes of # 1 them understand they messed up, # 2 learning some useful information regarding this matter, and how I could have done things different/better. # 3 hopefully if it is anyway possible warn others of this company before they fall vicitim. Its unfortunate they take advantage of people already in a hard situation with Low  scores. This money was borrowed as a emergency means, we unexpectedly had to travel across the country to family, we lost a close relative due to COVID. Please everyone, take heed when getting these loans. Check all your options, use this as a last resort option. Silent killers of all your hard work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Innovate Managed Holdings, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid my loan off on XX/XX/XXXX, and had auto pay set up. They autopay did not cancel as it should have after the loan was paid in full. On XX/XX/XXXX, {$300.00} was taken out of my checking account. I called on XX/XX/XXXX to ask abut it and see when I would get refunded. I was told all overpayments get refunded the end of the following month. I have been calling and emailing them asking about the refund and I almost always get the same response that they have escalated the matter and someone will call me back. No one ever calls me back. I still have not received my refund and the representatives will not let me speak to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXXXXXX, {$500.00} REPORTING LATE IS INCORRECT ANS AGAINST LAW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
FROM XXXX THRU XXXX CHASE BANK PURPOSELY ALLOWED MY CREDIT LIMIT TO BE EXCEEDED. THEY BEGAN COLLECTING FINANCE CHARGES ON THE HIGHER BALANCES. WE USE THIS CARD FOR MY BUSINESS AND THEY DECIDED TO RANDOMLY TURN OFF THE SPENDING ACCESS TO THE CARD AND NONE OF OUR VENDORS ARE BEING PAID. THIS IS A FRAUDULENT WAY TO FORCE UP BALANCES AND THEN HAVE YOU STUCK WITH A LIABILITY OVER THE ORIG LIMIT MAX AND BE STUCK WITH A MASSIVE DEBT LOAD AND NO OPTIONS TO PAY IT DOWN DUE TO THEIR UNETHICAL CREDIT CARD PRACTICES ( WE HAVE NEVER HAD ANY LATE PAYMENTS IN OVER A DECADE )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX was closed but the issue wasn't resolved. 
TransUnion said they verified my identity, and they issued me a new password. 
I logged on with the correct password, but they still won't give me a credit report, or let me dispute anything, or place a consumer statement in my file, or update anything. 
Because of this error, I can't get approved for any accounts, because every time they go through TransUnion, they say they " can not verify '' my identity, and tell me to contact TransUnion and try again later. 
Disputing the issue by mail would take months, and meanwhile every company I try to do business with that checks TransUnion gets an error or fraud alert, and they decline me. 
The fact that I can request a copy of my report by mail doesn't help the fact that these companies don't use the mail to check my identity, they use computers, and TransUnion 's computers are telling them I'm not who I say I am!

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 2023-05-28
Company: JPMORGAN CHASE & CO.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Around XX/XX/2021, Chase Bank and its mortgage team requested a second credit report from a third-party. We were told on the second credit check my spouse had missing information and Chase Bank blamed the credit reporting agencies.m and told me my spouse did not enough credit history. Of course, pretext is possible since my spouse had the better score during the pre qualification stage. The credit score in the first credit check displayed XXXX approximately for her score. 

After many conversations, Chase Bank and its mortgage team reiterated the credit reporting companies are responsible for their errors. However, Chase Bank and its mortgage team also stated multiple times my spouse no longer had a reportable credit score because she lacks credit history. Both statements are mutually exclusive. To muddy the waters even more, Chase and company stated there is no regulation requiring a settled fixed loan to stay on a credit report ; additionally, Chase was under no obligation to move foreword with closing the loan because there were no written policies addressing issues similarly related to records retention. Instead, we were denied our first loan application because my spouses credit score discrepancy ( pretext ). After our inquiry, we were discriminated against, including : ignoring our attempt to define policies for records retention related to settled debts; dragging feet when asked to provide answers ; misleading statements about having to go through the credit reporting agencies ; dishonesty and self-serving behaviors ; and retaliating against us when I alleged discrimination against women and for my request for an investigation into possible violations and/or self-serving behaviors. 

Chase et al. has successfully misdirected the CFPB and myself to accept responsibility for self-serving behaviors and lying about or not creating records retention policies for loans. Ultimately, we are stuck with higher payments and a higher interest rate by more than 20 points or 0.2 % ; I was forced out of the company for filing a complaint and questioning company practices ; and my personal information was shared with my local branch manager. What can I do? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
In XXXX of 2021, and again now in XX/XX/2021, there have been a total of three fraudulent inquires on my Transunion credit report. The inquires were made with XXXX XXXX, which I have never even heard of until the fraud. There were also two added workplace updates that were false, which I also did not make. Neither XXXX XXXX, nor Transunion seems to be able to do anything to help stop this. There should be an alert they can create so they can stop the person who keeps trying to steal my identity.

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