BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This XXXX federal acct XXXX is over charged {$8000.00} and charged off account. I did not authorize any transactions since XXXX XXXX XXXX 

I tried contacting the bank to get these charges disputed but did not get any assistance since the card is charged off I need this charges to be investigated for fraudulent purchases and disputed. I do not own this debt I did not authorize any charges on this account after XX/XX/. I need this account removed from my credit file immediately. And the late payments along with the charges. They have not validated the alleged debts were charged by me I have sent XXXX XXXX a Cease and Desist that included a dispute with demands to validate the alleged debt pursuant to 15 USC 1692c ( c ). I informed them i was invoking my specified remedy as the consumer and original creditor. XXXX XXXX is willfully being noncompliant pursuant to XXXX XXXX XXXX ( XXXX ) ( A ) with handling this matter. Not only has this company violavted my consumer rights and continued to hinder my ability to extend my credit which is my GOD given right through all my energy and any transaction used with my personal credit card number, coupon, licence plate or aka social security number. This company is reporting without my written permission, agreement and full acknowledgement that i have a charge off which is a cancled debt. this comapny did not send me a XXXX to file so i could file with the IRS. A charge off is consider gross income according to the IRS and governemnt. Income does not go on my consumer report. Yet this company contuines to break the law and hinder my life

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 2022-05-29
Company: Experian Information Solutions Inc.
State: MD
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, has violated my rights. 

15 U.S.C. 1681 section 602 A. Section 1 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 n accordance with the Fair Credit Reporting act XXXX. XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-07-21
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
good faith estimate changed 3 times and interest changed right before closing. My funds to close went from XXXX-XXXX then to finally close with the total needed XXXX need to know why on a low money down loan with 6 % seller assist I needed that much money to close and why I did not get credit for the appraisal I paid for when I was told that I would. I feel that Quicken loans overcharged me by XXXX and changed my interest rate from 3.85 to 4.125 when they claimed the lock in had expired. This loan was a nightmare to close and almost cost me the sale of my mobile home and the purchase of this house in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account XXXX is inaccurately reporting on the credit reports associated with my social security number and violate my consumer rights per the following information : There are several inconsistencies between the credit reports from XXXX, TransUnion, and XXXX regarding the account in question. These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ), including sections 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), and 623 ( a ) ( 8 ). 

XXXX reports the account as " Unknown, '' while TransUnion and XXXX both report it as a " Revolving '' account with a " Charge account '' detail. This discrepancy violates the FCRA 's section 623 ( a ) ( 2 ), which requires credit reporting agencies to ensure the accuracy of the information they report. 

Additionally, XXXX reports the account as " Closed, '' while TransUnion and XXXX both report it as " Paid. '' This discrepancy may violate the FCRA 's section 623 ( a ) ( 5 ), which requires credit reporting agencies to correct or delete inaccurate information within a reasonable time period. 

Furthermore, XXXX reports the " High Credit '' as {$0.00}, while TransUnion and XXXX report it as {$100.00}. This discrepancy may violate the FCRA 's section 623 ( a ) ( 8 ), which requires credit reporting agencies to provide accurate information about the credit limits and high credit amounts of consumer accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-29
Company: JPMORGAN CHASE & CO.
State: IL
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:
I have reached out 3 times to Chase Bank to make sure they knew I didnt authorize the money taken out of my account. On XX/XX/29 I told them that when I was on the phone with the Fraud department as the event was occurring. I told them that the fraudsters call me, said they were from Chase Bank and they were going to help me figure out why I am not getting my Fraud Alerts consistently. They told me they would send me 2 text alerts that show a fictitious fraud on my account. I was to say yes to the first text and no to the second text that way they could verify I received the fraud alerts. I did as requested for the first text and the next text never showed up. Red flags did not go off for me at this point as they text messages came on the same phone number as the regular text that Chase has used before when there were fraudulent purchase attempts. However, after I responded to the first text the money started dropping from my account. They reassured me they would put the money back that they were testing the account. I knew something was wrong and put them on hold while I call Chase bank and told them I was being robbed at that time. They fraudsters hung up when I put them on hold. I found out later that a card was taken out in my name and shipped to a building in XXXX, IL. I didnt approve that either nor did I get a text message informing me this was done. There were 4 XXXX purchases for each for XXXX this should have been enough to prove it was Fraud, but Chase bank said that the Fraudsters had the card and the pin to get the items. Chase said that I had to have given it to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have had an account with XXXX since XX/XX/XXXX with a credit limit of {$300.00}. 
After reviewing my credit report recently as well as my credit card statements it's come to my attention that there is an error being reported by XXXX. 
My payment due date is the XXXX of every month. On XX/XX/XXXX a payment of {$40.00} was made ( attachment ) That payment was reversed on XX/XX/XXXX ( attachment ) XXXX XX/XX/XXXX a payment of {$80.00} was made. That payment was reversed for insufficient funds ( attachment ). On XX/XX/XXXX a payment of {$120.00} was made ( attachment ). That payment was cleared. Until I recently pulled my credit report, I didn't realize that a 30 days late payment was showing on my credit report for the month of May.But after carefully reviewing and calculating the days of payment due and payments posted, I see that XXXX have incorrectly posted a late payment for XX/XX/XXXX. 
My payments for XX/XX/XXXX and XX/XX/XXXX were reversed. My payment for XX/XX/XXXX was cleared and posted. ( attachment ) So if my due date is the XXXX of every month and then the XX/XX/XXXX payment will cover XXXX because that is NOT 30 days past XX/XX/XXXX. 
XXXX have mistakenly and incorrectly reported the month of XXXX as being late. I have repeatedly spoken to them about this issue and also they have never provided me a copy of my credit card statement for XX/XX/XXXX. I was told that one does NOT exist.This in itself is a clear violation of the Truth in Lending Act as well as 15 USC section 1666b ( 4 ) ... ..correction of billing errors. According to the FCRA you are required by federal law to investigate completely... ANY AND ALL accounts you post on a credit report.

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 2023-08-24
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made a debit card purchase for services from a company named XXXX XXXX XXXX, listed on the internet. I purchased the Full Arbitration Representation package for {$1500.00}. The website was very specific about the services I would receive. I received an email confirmation of the purchase and package and that someone would be in touch to set up the consultation. I heard nothing. I sent an email and link was sent to schedule the consultation. The day of the consultation no one called, no email sent. I asked to reschedule, I heard nothing. Repeated attempts were made to contact this business. I made a formal request of refund for services not rendered. The email account was disabled. I called Chase and made a fraud complaint since no services were ever performed. I received a credit to my account. About two months after Chase reversed the credit without any warning or explanation. I called Chase and the representative was very nervous, lied about facts I never said, refused to let me speak to a supervisor. I called back and demanded to speak to a supervisor who was very rude to me, said this was not on the fault of Chase. She said no fraud took place and that the terms and conditions said no refunds. Terms and conditions only apply to legal purchases, not buyers remorse. No services were ever performed so that it fraud and criminal. All purchases are protected by the Electronic Funds Transfer Act and FDIC insurance. I demand a full refund. If not I will file a complaint with high level agencies and pursue legal action within XXXX XXXX as this account is owned by Trust and Trust res. A full account audit will be demanded, and Chase will owe me a lot more than {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: EQUIFAX, INC.
State: MD
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 XXXXt, the following have violated my rights ; XXXX # XXXX, XXXX XXXXXXXX # XXXX, CXXXX's # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XXXXr # XXXXXXXX XXXX XXXXt XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/ XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A states that I have a right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted Fifth Third customer service on Monday and finally was able to reach a representative on Tuesday. I described my dispute situation and she said that she was going to go on hold to file that dispute. On hold, after listening to horrible and glitchy hold sounds, the call ends with no resolution after being on hold XXXX minutes. Ever since I have been trying to reach the company through multiple numbers with XXXX minute wait times until I realize I dont think anyone will answer. Not sure what is happening in the Fifth Third Customer Service section, I just know it isnt much. Honestly considering moving banks, a specially if this issue is never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a correspondence to Experian over thirty days ago requesting to confirm a debt for me with a collection agency, they did not respond to me, its been over 30 days. I enclosed the previous correspondence to Experian to support my complaint that its taken Experian over 30 days to respond.

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX ( XXXX : XXXX XXXX. ) XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Originalcreditor : ( XXXX XXXXXXXX XXXX XXXX XXXX. ) XXXX Balance : {$920.00} ; XXXX XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX  XXXX : {$1000.00} ; XXXX XXXXXXXX XXXX : {$1700.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX CA 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 2022-12-02
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:
I have mailed the attached letter Certified to the credit bureaus. The have failed to complete a manual investigation.

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 2023-08-29
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2023 I was informed by my credit bureau that my student loans that had been written off due to outcome of the XXXXXXXX XXXX XXXXXXXX XXXX had been added back to my credit report. I have since uploaded the documents to show this to Nelnet, emailed Nelnet- they now dont even allow emails. I have called and they say they will research it and get back to me, they still have not. Many of us were reaching out to them on XXXX ( now XXXX ) and they keep telling us to call but arent helping. And its seemingly primary the people that are part of the settlement. I just want my account adjusted back to XXXX as per the settlement. This is a part of the email sent to Nelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX If you have any questions or concerns, please contact the BBB assigned to your complaint : XXXX In Nebraska, South Dakota XXXX Kansas XXXX XXXX XXXX Iowa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as per the settlement. This is a part of the email sent to me from the department of education : Pursuant to the Sweet settlement, the Department of Education will do the following : discharge your federal student loan ( s ) taken out for your enrollment in the XXXX XXXX XXXXXXXX ( " Relevant Federal Student Loan ( s ) '' ) ; provide a refund for any payments made to the Department of Education on your Relevant Federal Student Loan ( s ), including Relevant Federal Student Loan debt that you previously paid off ; and delete the credit report tradeline associated with the discharged loan ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: GreenSky, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX I spoke to 2 " supervisors '' at Green Sky and asked for their help regarding not paying the ridiculous interest charges. I offered them {$10000.00} plus what I've already paid & to close the loan. The original loan was less than XXXX and I've already been making monthly payments of over {$350.00} since XX/XX/XXXX which is when the interest started. I was informed the amount if not paid in full would only have interest charges of a couple XXXX now they are including finance charges on top of the interest. I've been in hardship since XX/XX/XXXX when I was hospitalized with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
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:
I am upset to know that false accounts are being reported on my credit history and is affecting my score. I do not know anything of these accounts and would like it removed.

Company response to consumer: Closed with explanation