BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-10
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was resolved nearly two years ago when it was paid under settlement. I was promised that it would be removed from my report and that I would hear the end of it. However, recently, this company put this incorrect and predatory information back on my credit report that deducted 85 points from my profile. I have the proof that it was paid on XX/XX/2019 directly from my checking account in the amount of {$1200.00}.

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 2021-03-17
Company: EQUIFAX, INC.
State: MD
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:
There are incorrect items on my credit report i disputed these items and Equifax refuses to correct the inaccurate incorrect items they have since added paid to the accounts instead of deleting them off my report the accounts are inaccurate and should be deleted off my report credit and unauthorized credit inquires also being refused deletions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: JPMORGAN CHASE & CO.
State: NE
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:
Chase bank finance a XXXX  truck for me and it was totaled due to flooding Well at end when finished and they gave final amount owed to my insurace company and gap in and it was payed off they still reporting a padt due amount 4 years later and had 8 months lated over due payments after claim was filed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: National Credit Adjusters, LLC
State: TN
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 have contacted the collection agency on many occasions in XXXX and XXXX of 2023 to give me written notice regarding my debt. I reached out to the debt report agency about validated the debt or any information and they have never responded. The agency is in violation of 15 U.S Code & 1692. No one have sent me any written notice about any debt and refuse to remove the reporting. Not only can I not apply for a home, car, or a credit card ; it has damaged my credit worthiness as an American Citizen. I NEVER gave any consumer reporting agency or debt collection agency WRITTEN CONSENT to report anything on my consumer report and as a citizen I know that violates my rights as a federal protected consumer. Furthermore, according to the XXXX consumer access website this company is not even licensed to collect a debt in Tennessee. They are licensed in other states but not Tennessee. This is a direct violation to be reporting on my credit but isn't licensed in my state to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX XXXX kept billing me for already paid bills even after i got a letter from them saying that my loan has been paid in full. They went ahead to give me bad report which has negatively affected my credit score.

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 2023-10-04
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX at XXXX, an unauthorized charge of XXXX XXXX  was made on my account via XXXX. I quickly called chime to alert them of this unauthorized charge when I awoke, I was able to get a new card, but since the transaction was still pending I had to wait until it completed to dispute it. Finally, on XX/XX/XXXX I was able to dispute the transaction, but they declined it. I have made several rebuttals since then with new evidence. I made a police report on the theft, as well as I spoke to a XXXX representative who confirmed that fraud has taken place and filed a fraud report, since I have not ever or had a XXXX  account, and even chime can see that through my bank statements! This purchase was made in Washington, but I am located in Virginia. It seems that they are not doing a thorough enough of an investigation because if they did I would have my money! I have submitted a police report, a written statement, and I even gave them the confirmation number of a fraud report from XXXX!! All of these are proof that my card was stolen and that money was taken out of my account, but Chime has not been of any use to me. If they were FDIC insured, then I surely would not have these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I ACQUIRED A LOAN THROUGH XXXX XXXX XXXX XXXX. THIS LOAN WAS OF MANY TOXIC LOAN THAT XXXX XXXX WAS THE MASTERMIND OF THE LARGEST BANK FRAUD IN THE UNITED STATES WAS CONVICTED IN 2011. THIS LOAN CAME FROM THIS LINEAGE. THE LOAN WAS SET UP WITH NEGATIVE AMORTIZATION FROM THE CONCEPTIONS OF THE LOAN. THE LOAN WAS PLACED IN A TRUST THAT HAS BEEN SUED IN MANY STATES FOR MORTGAGE FRAUD. THEY ARE USING FRAUDULENT ROBO SINGED ASSIGNMENTS TO FORECLOSE ON MY HOME. I HAVE ASKED FOR THE GAP ACCOUNTING IN 2 DIFFERENT QWR, DEBT VALIDATION AND NEITHER WERE ADDRESSED. THE LOAN BALANCE IS DOUBLE WHAT THE LOAN START. XXXX XXXX XXXX IS SERVING AS TRUSTEE FOR XXXX XXXX XXXX XXXX  XXXX CERTIFICATES SERIES. HAS TAKEN IT LOSSES AND BEEN SUED FOR FORECLOSURE FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX : {$5200.00} XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$210.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : 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  Inquiry : XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX Inquiry : 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 2022-12-17
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX, GXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
DEROGATORY REMARKS/ACCOUNTS/COLLECTIONS XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES 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 2022-12-17
Company: JPMORGAN CHASE & CO.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I bought a new XXXX XXXX from XXXX XXXX in XXXX, TN on XX/XX/22. When I got home, I realized that they snuck an extended warranty ( {$2800.00} Cost ) into my deal. I called right away to cancel the warranty at the dealership. They claim they canceled the warranty, but after numerous phone calls, I've still yet to receive a refund. The dealership was quick to blame XXXX and XXXX is blaming the dealership. Not getting anywhere with either company which brings me here on XX/XX/22, 63 days after the sale was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made several disputes with the each credit bureaus and with the XXXX as well as contacting XXXX XXXX in regards to this matter. I am coming to CFPB to get an resolution. 

My complaint is XXXX XXXX XXXX XXXX is reporting fraudulent charges to professional debt credit company claiming I owe {$820.00} because I have threatened to take them to court for heavy mold in my apartment. Instead of taking them to court, I went ahead relocate my family. I surrender the unit back in XXXX or XX/XX/XXXX. In retaliation the apartment Manager at the time XXXX made false allegations against me. She have tried multiple time to find ways to get me evicted but no success. I recently discovered that XXXX were the individual who filed an false DCF complaint against me in XX/XX/XXXX. I dont know how the charges came about, but I do know before I surrender the unit she increased my rent to the maximum amount around XXXX something dollars. I paid my rent for that month and still moved out. I have listed the complaint numbers below. 
-Complaint ID # : XXXX Back in XX/XX/XXXX. 
-complaint # XXXX new claim filed XX/XX/XXXX. 

Please help me resolve this matter because is Hindering me with applying to other apartment complexes. I dont owe them!! Thanks!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
About 3 months ago I tried to apply for the American Express Gold Card after seeing that I was pre-qualified for their welcome bonus offer. I applied for the card, but once filling out the application I was met with a screen saying I was not eligible for the welcome offer. The message stated the following : " ... based on your history with American Express welcome offers, introductory APR offers, or the number of cards you have opened and closed, you are not eligible to receive this welcome offer. '' It then gives you the option to continue without receiving the welcome offer or cancel the application. I canceled the application as I was promised a welcome offer. The issue is at that point I have only ever had 1 credit card ( XXXX XXXX XXXX ) which was with them, I haven't had a balance transfer, closed an account, or met any of the disqualifications they mention. 

After calling American Express a few times and finally speaking to a manager they said that it was odd that this was happening as they don't see any issues from my activity. They said they would escalate it to an investigation and I haven't heard back from them. When I called to ask about the progress of the investigation the supervisor I spoke to said there was no investigation on file. I simply just want what I was advertised or atleast an explanation as to why I don't qualify, because the reasons they are giving make no sense based on my credit experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I submitted a dispute per their process for a defective item, but the credit card company ignored the information sent in about it being defective and instead requested a credit slip from the merchant when I already tried to exchange with merchant and the merchant stopped communicating with me. I responded to the initial denial of the dispute with the information requested of the complete description of my original claim and that the merchant would not do anything and the reason for my dispute was because the merchant would not fix the the situation with the defective item. Please see attached the letter I sent to Citi Card with all attachments showing communication with the merchant, the defective product, and the Citi response letters and the merchant response letter. Citi Card closed the investigation and left me with a defective product and the merchant with the {$200.00} plus 5.5 % tax ( {$210.00} ).

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 2018-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
The credit item was disputed and removed from my Transunion credit file. It then was reinserted at a later date without informing me of this in writing within 5 business days. The collection item is XXXX XXXX from my Transunion Credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX XXXX XXXX /Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXXAccount # XXXX ) Has violated my rights XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX  XXXX # XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXXAccount # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my XXXX XXXX ( XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Account XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXXccount # XXXX ) Has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Any CRA can only furnish a consumer report as provided in 15 U.S. Code 1681b ( 1 ), ( 2 ). Transunion does not have my consent to furnish these items nor provide me with a document that proves that a court has ordered the furnishing of these items on my consumer report. Unless Transunion can provide proof, a bank can not extend its own credit lawfully and therefore can not furnish a consumer report. 

I am requesting that all these items be removed from my report immediately. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2021-03-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In attempting to clear up my XXXX XXXX. I found out that I had an account dated back to XXXX on my Equifax business credit. I inquired on how to pay and was told I had to file a dispute since there was no Name of the company or # or address on the account. After requesting the dispute form twice. I finally received the form and completed it. I then sent it back to Equifax via email and fax on XX/XX/XXXX. I never received an email notification stating it was received. But the fax was completed. After the 30day mark, I did call and ask numerous agents that I was able to get a hold of to confirm when my dispute was received, to be told that the investigation is not yet completed. One agent, in particular, told me to send ANOTHER dispute form since he didn't see my dispute form in the system! He was very rude and condescending. I asked to speak to a manager and he told me I could not. I hung up and finally reached an agent by the name of XXXX and he apologized for the last agent as he was incorrect in asking me to send another dispute form. He gave me a case # and tracking # and told me that my file was going to be escalated and that within 48hrs I would be getting a call from the XXXX office to help me in finding out where my dispute was. I then received a call on the 2nd day after it was escalated but couldn't answer the call. The message left was a Mrs. XXXX, that stated that they are STILL WAITING on the creditor to get back to them and to give her a call @ XXXX if I had any questions. This was the same # to which I have been calling for 2 weeks. I called right after I heard the VM. I was then told I had to open ANOTHER case and wait for XXXX for her to call me back! 



I need to get this account cleared, the process in which Equifax has to dispute an account is not clear and difficult. It's like they don't have a process. I was even told this from their own employees!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 14 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation