BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-26
Company: American Credit Acceptance, LLC
State: MD
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:
At the beginning of the COVID-19 Pandemic I spoke to a representative on American Credit Acceptance about my employment status being changed due to the government shut down. The associate ensured me that I would not be charged any late fee nor would my credit reporting be changed due to the pandemic. I have continued to pay every dime I have to them to make sure my car payment stays current and to my surprise when I checked my credit I was reported late for the month of XXXX for failure to pay late fees. I understand that and normal circumstances this would be an accurate reporting but due to the fact that I was specifically told my an associate of that company that I would not be charge late fees and the late fees ( accumulating around {$230.00} for multiple months ) is what reported to my credit report. I am asking that American Credit Acceptance be true to their world in helping their customers out during the tough time and reverse any late fees i have been charged and most importantly fixing the reporting on my credit profile immediatley.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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: Reporting company used your report improperly

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


Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the Covid19 emergency I called Select Portfolio Services to ask them for possible options to make payments because I stopped working 3 weeks ago ( I was in an overseas trip ) and Florida 's governor placed a ban to XXXX XXXX XXXX until XX/XX/XXXX. They said, " we are here to help, your option, stop payments for 3 months, interest will be charged and after those 3 months you have to pay 4 months at once. What do you think? '' What Do I think? I called them because I'm not working, I've never had a late payment. If I have the money I would not be calling. I won't receive money form the Trump 's Bailout but they will, why?.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
IRS Publication 2020 Instructions for Forms 1099-A and 1099-C clearly state charge-offs are to be reported as income when filing taxes. Income can not be reported on credit file therefore this item should be removed with prejudice. It is my belief that XXXX XXXX XXXX are well aware of the tax laws and and are committing this act of fraud against me intentionally. I request that this charge-off, which is in itself a fraud, be removed with prejudice from all 3 major credit bureaus and also ask that they be sanctioned for this deliberate act of fraud which has cost me dearly.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2022-04-14
Company: Experian Information Solutions Inc.
State: NV
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 don't owe anything to the following account : XXXX XXXX XXXX They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate these accounts thoroughly and make the necessary corrections or just remove the account automatically.

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 2020-09-24
Company: EQUIFAX, INC.
State: FL
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:
What do you do when the same company that caused the problem refuses to correct it. I have sent Equifax countless FTC reports each trade line or inquiry that is new. Equifax the cause of the problem in the first place refuses to work with me and remove the 13 Fraudulent Inquiries even though they have sent me copies of my credit with results saying The Inquirys in question have been deleted When in fact that is a game that Equifax is playing. Today I received a letter stating that they are not going to comply with FCRA 605 B and to contact you or my Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Chime Financial Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
starting back on XX/XX/2023 to XX/XX/2023 I have been looking for ways to invest my money since I have hit a rough patch financially. I have reached out to multiple agencies on XXXX and XXXX to help me. I have invested a total of {$2500.00} of my money and I have been scammed by these individals. I have filed the following FTC, gov claims XXXX, XXXX, XXXX and XXXX I have also disputed them with my bank Chime it was denied since i used XXXX. I have reached out to the FDIC and they have sent this to Office of the Comptroller of the Currency XXXX XXXX # XXXX but this crimes can not contiue and more innocent people get the money stolen. the last company stated that they are from FEMA and were helping with rental assistance and I reached out to them for assistance and they scammed me out of {$940.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXXXXXX XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2020-10-10
Company: National Credit Systems,Inc.
State: TX
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:
They are charging me a debt that does not exist, I appear in person at the office and the debt is closed, now they want to charge me an amount that does not exist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Harris & Harris, Ltd.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Around the beginning to mid XX/XX/2023 I received a letter from Harris & Harris Limited. Its an attempt to collect a debt they claim I owed to XXXXXXXX XXXX  in the amount of {$89.00}. There is no date on the letter. The letter states that if I dispute it I have to contact all kinds of people and jump through all kinds of hoops. I dont have to prove anything. If they claim I owe the debt they need to prove it not me. I am not jumping through any of their hoops because I know for 100 % positive I do not owe XXXX XXXX any money. I have a good relationship with them and I have a XXXX balance I havent even been to their office in several years. 
When I tried to contact Harris and Harris and advised them that it was fraud, they hung up on me. I called back again and notified them that I was filing complaint and they hung up on me again. Nothing on their letter is accurate or true with the exception of my name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2020 To whom he may concern, Sadly I am reaching because chase is overdraft fees again, From XX/XX/ 2020 to today Chase bank charged me 18 overdraft fees at {$34.00} total {$610.00}. 

When I contacted Chase in XXXX and explained that due to being unemployed, also chase some mistake like charged me while I was overdrawn their fee ( I am not supposed to have, was promised to me when I open the count few yrs ago and I fight chase about few time they take the monthly off and always put it back. I got tired and just pay for it XXXX. 

Also I have text alert when I am overdrawn which will be allow me to make deposit immediately but somehow that has not been working and I think I am low balance until chase send me messages saying that I am overdrawn and I have to pay their fees. 

Because per a supervisor ( very rude ) they refunded me XXXX this yr so doesnt matter bank error or not I have to pay the overdraft fee. 

Overdraft fees should be high up to {$34.00} Bank have limit of how many time they refunded doesnt matter is bank error or not. 
Wheres the customer is right? 
The only thing is the text or email alert and my case I dont receive them until they assess their fee. 
Unemployed I was doing XXXX job to pay my bills and company check balanced on me create overdraft that kept be keeping following behind and create more overdraft. 
Someone that have disconnection notice in all her bills, has to pay {$610.00} to the bank for fees. 
Banks is greed kept me broke and under pressure the last 3 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act XXXX acct # XXXX, XXXX  XXXX XXXX Acct # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: General Motors Financial Company, Inc.
State: FL
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 leased a chevy XXXX  in XXXX, the account was finalized in XXXX and paid in full, XXXX just reported XXXX late payments in XXXX for an account that is closed and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act XXXX acct # XXXX, XXXX  XXXX XXXX Acct # 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 an 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 non-monetary relief
Consumer complaint received 2019-06-13
Company: EQUIFAX, INC.
State: TX
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:
Equifax keeps reporting fraudulent and incorrect information after I have submitted an identity theft report as well as a police report. I have never lived at XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX & XXXX XXXX XXXX XXXX, LA XXXX. The following accounts are fraudulent XXXX XXXX XXXX, LA XXXX XXXX XXXX. These inquries are not mine & I did not give anyone permission to look at my credit from these companies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, IXXXX XXXX, XXXX & XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, & XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: Payfare International Inc.
State: OR
Product: Prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I noticed a fraudulent transaction on my account and reported it right away and locked my card. I then went through my account and noticed several other transactions. The company gave me a form to fill out and I did that and returned it. They then sent me an email telling me I only had 3 days to provide them with the information I found from the different companies and I replied back that I was having difficulty because the company 's were abreviated names and acronims. The company 's that I did get in touch with couldn't find the transactions and I was told that when these hackers steal your info they use 3rd party processing company 's so it makes it harder to find the transactions. I got a voicemail back from XXXX company which I didn't know how to attach that to an email and I got an email back from another company and I forwarded that back to them. I had no control over how long it took the company 's to get back to me and I expressed that to XXXX XXXX and said I was not able to find any contact info on the other company 's. I was told by then that I didn't meet their dead line for when I was to report the information I had gotten and they denied my claim and are refusing to refund these fraudulent charges and I have called multiple times I have reached out to XXXX XXXX as well and all I get is transfered around and eventually XXXX XXXX just says they denied your claim nothing more will be done and they hang up on me. I will list the transactions below. I was in constant contact with XXXX XXXX the entire time and because they didn't get the information about the company 's that I had to research without any assistance from them it took me a little bit but as soon as I got any information I sent it to them. I did everything I could as fast as I could to provide them with the information they requested but some of the company 's I couldn't even find any information on and apparently that was not expectable either but I didn't know what else I was supposed to do and I expressed that to them with no response and no assistance to them be told my claim was denied and ever since I just get hung up on by them Transactions. 
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 on various days 6 of them total all for XXXX XXXX XXXX XXXX I sent them a list as well and provided everything that I could and they still denied my claim because i.didnt get the the information on the company 's within the time frame they set which was 3 days. I got them the information when I got it and I also informed them that I was waiting to hear back and that I couldn't find anything on some of them. With no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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


Account name : XXXX Account NumberXXXX Account name : XXXX XXXX Account NumberXXXX Account name : XXXX XXXX  Account NumberXXXX  Account name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX XXXX, has violated my rights.

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

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

Company response to consumer: Closed with explanation