BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-26
Company: ARM Professional Services LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I HAVE OVER 50 ITEMS ( VIDEOS, Calls, emails, and pictures ) Of proof PLEASE DO ME THE FAVOR AND TAKE ME TO COURT PLEASE!!!!!

A complaint with the XXXX  is filled, numerous pictures and emails ( some attached ) proving the amount is completely wrong/ the balance is XXXX. I waited over months for them to fix the itemized document and they ignored me then sent the account to collections I I okayed them taking me to court ( bluffing to scare me into paying ) they breached the contract in numerous ways and know it that's why they quickly handed the debit off and literally refuse to speak to me now. No calls or emails received and when I do reach out I am hung up on as recently as XX/XX/2021. ( Proof in emails attached as well ) 1.the pipes where ruined while I was in the building and even after the fact ( sign telling tenants don't run the water until further notice on the door ) 2.I paid my last, first month 's and deposit and got non of it back 3. Proof in emails that I gave over 3 months notice!!! And even asked to stay of they would just fix the issue that breached our contract and they didn't 4.Pictures attached of how clean and fixed up I left the apparent and videos were emailed and saved. Showing nothing needed repair 5.I advised and they knew as seen in the text between me and the leaser that I was gone hints the electricity would be off and they said I " turned the switch in the basement off '' causing ( already damaged pipes ) more damage which is a LIE.they just wanted a discount for their repairs Everything about this is a scam look at the XXXX reviews from real people and not bots THEY ARE MONEY HUNGRY XXXX  DISCRIMINATING unprofessional people. That don't even call you or contact you back

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 monetary relief
Consumer complaint received 2021-07-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
J.P. MORGAN CHASE. Credit Journey " XXXX, New York XX/XX/XXXX This Banking institution is constantly doing the wrong things ... They are notorious for ruining ones credit. They had me on their " Credit Journey " as being delinquent with 14 late payments to my XXXX XXXXXXXX credit card for the month of XX/XX/XXXX ... ..I am Always on top of my payments, making sure they are submitted by the " Due Date ''. I checked my account and sure enough there is a payment of {$100.00} to XXXX XXXX in the month of XXXX. I am getting tired of having to dispute issues with them ... .They discontinued the use of my card ... ... I think I am going to take my business elsewhere ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: EQUIFAX, 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:
I already had a complaint filed with you against them they contacted me and it seemed as if they had corrected the situation however upon the recent check of my credit report they have not- I have unemployment insurance on this one I notified the company of my financial problems prior to the loss of my income on XX/XX/XXXX and then at that same time provided them with the correct documentation for which to process my unemployment insurance claim. I am still unemployed and the governors office is working with me to file a claim for XXXX which they have already submitted for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
US BANK charged me Monthly Maintenance Fee on XX/XX/2019 due to I do not meet the monthly requirement. 

However, I join their " Because Youve Earned It '' in the early XXXX to avoid the fee charge. The application web page is : https : //www.usbank.com/bank-accounts/checking-accounts/credit-score-checking-account.html On their website, they claimed : Because You've Earned It members get a consumer Gold Checking Package with no monthly maintenance fee, full access to XXXX XXXX , and express delivery for replacement debit cards. 

Based on the statements, I got what ever I need after becoming a member. But, they said I have to covert my account into a gold checking account to get the benefits. However, the y did clearly and consistently make a clear statements in the whole website. Since I trust their statements, I thought I already got the benefits ( no monthly fee ). But, they charged me feee in the XXXX. 


They did not state things clearly and charged me the fee.

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 monetary relief
Consumer complaint received 2023-10-27
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today, I received notification from XXXX XXXX that a company named Genesis Credit Management added a collection to my file between XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  resulting in XXXX points to my credit score. The notice states the original creditor was " XXXX XXXX XXXX at XXXX. '' This is the first and only notice I have ever received in my name regarding this matter. My husband has disputed the debt ( from notices that came directly to him ) since approximately XXXX. It seems Genesis emailed him in or about XX/XX/XXXX and my husband disputed the debt. Genesis appears to ignored the dispute, provided no verification of the debt, then began calling my husband 's personal cell phone. My husband filed a complaint with this agency and has not received any update yet. Since XXXX I have never received any notices, mailings, phone calls, etc., regarding this debt. Genesis has never communicated with me nor provided me an opportunity to dispute the debt prior to adding the collection account to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: AL
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 victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, the consumer, in fact, am a victim of identity theft, and pursuant to 15 USC 1681c-2 I am requesting the block of such information resulting from such identity theft from my consumer report. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in error nor is there any material misrepresentation by me the consumer so my request should not be declined.

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 2021-07-26
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
They are five hard inquiries on my XXXX Credit Bureaus report and are showing under my name. They are not authorized by me and they are not belongs to me. Therefore, all five inquires should be removed immediately from my credit report. 
1 ) XXXX - XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXXXXXX 4 ) Ameri Save Mortgage Corporation 5 ) XXXX XXXX XXXX

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 2019-10-12
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The following items were all placed on my credit report at the same time. Phoenix Financial Services called and threatened to ruin by credit by placing the same item in collection multiple times. There should be only one ( 1 ) item, not four as submitted by Phoenix Financial Services. There is also an error in the Opened date. This one medical debt is several years old. I did not go to the doctor XX/XX/2019. I do not think Collection Agencies should be able to deliberately place multiple items on your credit in an effort to threaten me into paying. Can you please help me. My credit score dropped 24 points due to the four ( 4 ) Collection items added erroneously by Phoenix Financial Services. 

XXXX XXXX XXXX Phoenix Financial Servic Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Phoenix Financial Servic Opened XX/XX/2019 {$1200.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Phoenix Financial Servic Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Phoenix Financial Servic Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I keep getting calls and threats to damage my credit for this account and I have never used it before. Ive asked to be removed from this list and I am still being harassed. THERE IS NO PROOF OF ME GETTING THIS ACCOUNT SO DELETE THIS ACCOUNT IMMEDIATELY. Ive asked repeatedly to take this off my reports because I do not have an account with this company. PLEASE REMOVE FROM MY CREDIT REPORT AND AGENCIES WITH THIS INACCURATE INFORMATION!! IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Obtained 1 year interest free loan. The interest free period allegedly expired on XX/XX/XXXX the last day of my billing cycle ( XX/XX/XXXX through XXXX ) and my payment is not due until XX/XX/XXXX. I called Wells Fargo in an effort to remedy the situation, ask for the interest to be removed, and advised that I could pay the remaining balance due on the loan so that I could close out the account. I was advised since the interest free loan cycle allegedly expired on XX/XX/XXXX ( the last day of my billing cycle ) all they could do was offer a reduction in the interest amount by about {$200.00} - whereas the full amount of interested charged was {$890.00}.

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 2018-04-20
Company: JPMORGAN CHASE & CO.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a XXXX from a local dealer in XXXX, MA for a 42 month term. As the lease approached end date in XX/XX/XXXX, I was told by XXXX that an appraiser would visit and assess value of the vehicle. The appraiser came about 3 wks before end of the lease and took pictures of the car and looked all over it. He did not explain anything to me about the process. He explained that I would receive a closeout statement in a few weeks. 

I returned the vehicle to the XXXX dealer. The dealer had no idea how to receive the vehicle or what information to collect or share with me. The lease hold ( XXXX XXXX ) told me to return it to that XXXX dealer. Eventually the sales manager decided to give me a mileage statement and signed proof that he had taken the vehicle into his custody. I removed the license plates and left. 

A few weeks later, Chase contact me to tell me that damage ( scratches, ripped seat fabric, etc. ) had exceeded the {$1000.00} allowance and that I was obligated to pay for additional damage. More importantly, they told me that because I had returned with not-orginal tires on the vehicle I would being charged to restore the equivalent of the orginal tires. I explained that I put the tires on in winter ( the factory installed tires were useless in snow ), and that I left the summer tires ( original manufacturer installed ) in the back of the vehicle. Chase first told me they had no record of me leaving the tires in the vehicle. Later, they changed this story to say that the tires had insufficient tread. Either way, they want me to pay {$110.00} for each of the four tire. They said the vehicle has been sold and they have no record of what became of either set of tires. 

They keep telling me that the tires are listed in the lease agreement, but I do not believe that replacing the tires with BETTER tires AND returning the original tires ( dismounted ) should make me obligated to pay for new tires. As a side not, I drove the vehicle 10K less miles than my lease agreement ( a total of about 32K ), and since half of each of those years I have the original tires on the vehicle, they clearly would NOT have been worn down. 

I have indicated to Chase that I will pay the incidental charges for scratches in paint and upholstery damage ( totaling about {$240.00} ), but I refuse to pay them for the tires. They either have to release that charge OR return at least one set of the tires. Actually, they should return BOTH sets of tires if they want me to buy new ones. 

I am being taken advantage of and I wish that they would stop harassing me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am concerned about the accuracy and effectiveness of your bureau 's investigation process, as the fraudulent accounts persist despite the documentation I have provided. I am writing to formally dispute and request the removal of fraudulent accounts currently appearing on my credit report. I have previously reported these accounts as fraudulent, but they persist on my credit report, causing significant damage to my creditworthiness. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Despite these efforts, the fraudulent accounts continue to be reflected on my credit report, impacting my ability to secure credit and causing undue stress. I request that you conduct a thorough and comprehensive investigation into the presence of these fraudulent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am not able to access my credit files. The three bureaus have told me that my information does not match the information on file. I can not get anyone on the phone, and when I call, none of the prompts are what I need to access my files. When I try to make accounts on the websites, I am not able to do that either.

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 2018-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Im an authorized user on this account but did not sign up for this on XXXX 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 2023-11-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My issue is with equifax. Months ago when I decided to look at my credit through the 3 credit reporting agencys. Equifax was not able to show my credit score of report. Through their online platform it was showing unavailable and I was also showing a BLNK error. I was trying to get approved for purchases through 3rd parties that needed to rein my report provided by equifax. So this turned into a major issue at no fault of my own. So I contacted equifax fo resolve the issue. After explaining my problem to the representative they told me I had do send a copy of my drivers license and a cover letter explaining the errors provided. So I sent them the information they requested and even purchased tracking on the delivery. When the package showed delivered. I called back and followed up over the next week. They kept saying they didnt have it yet when they did. The new representative also told me that I had to repeat the steps as if it was a new problem. I politely argued that I already sent this information and paid for it with tracking. They said they would escalate and look into it. I never got a return call or fix. Ive also disputed this over their platform. As of today on XX/XX/XXXX I am still having the same issue. No report information or score with a BLNK error code. Says to contact them again. I am trying to finance things I need in life and this is hindering me from making these purchases because lenders and third parties cant pull the reports they need. Whats weird about it is transUnion platform can pull all 3 reports. Experian cant even update because it is also telling me its unable to pull equifax information so it cant even finish getting XXXX report either. Nothing has updated past XXXX because of this. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
BY law these companies are violating my rights as a consumer.

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