BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: OH
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 ( FCRA ) ; XXXX XXXX has violated my rights. On XX/XX/2020 there was an unauthorized inquiry. 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 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 explanation
Consumer complaint received 2022-03-05
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX PHH/ XXXX XXXX trying to un-ethically convince borrowers to agree to terms that people have no idea if theyll be able to actually uphold their end of the agreement. 
PHH/ XXXX XXXX at the end of the forbearance period will continue to play games and do everything possible to hurt the borrower. 
Please address this issue so borrowers are not taken advantage of as will surely happen if this is not addressed. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have lost my income as a result of covid-19. I contacted my bank, PHH/XXXX XXXX on approximately XX/XX/XXXX to discuss mortgage payment deferral. I used their web form ( I have a printed copy ) to submit my request. Today I got a response telling me my form was submitted incorrectly. I checked the form for errors, and it was correct. This is a huge red flag. It turns out the new form on their web site requires me to agree that I will pay the 3  months worth of missed payments on the fourth  month. How can I agree to something I dont think I will be able to do? 
I called the bank and they tried to spin the issue. I explained to them I cant in good faith agree to something I dont know if I can uphold my end. They continued to try and convince me to agree to this term despite the fact I just told them I cant in good faith agree to that. 
I proposed to them that if they were comfortable guaranteeing me over the phone I would have no issues if I couldnt make the back payments to please put it in writing for me. They would not. Huge red flag! 
I then explained how I was at the center of the housing market crash and that I saw a lot of people do what banks asked them to do, only to have the home lost to the bank. 
This is a huge concern for myself and all others who are being forced to, out of desperation, enter into a forbearance program with terms most people can not guarantee theyll be able to hold up on their end. 
I am asking that immediate clarity and guidance be given to lenders so they are required to actually help the borrowers who are requesting it. This does nothing but add more uncertainty amidst an environment of the same! 
It does no good to give the bank tools that forces the borrower into a corner where the bank will have all the power to ruin credit scores, and potentially take peoples homes.

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 2018-03-08
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Purchased a used car ( 2 yrs old ) with down payment and monthly payments of {$230.00}. About halfway through the loan, I made a payment of {$3500.00} and was told I didn't have a payment due, at that point, for over a year - approximately 15 months. The month after I paid the {$3500.00} ( that I thought included payment of the financing charges and principle ) I started paying {$150.00} for the next 7 months then lesser amounts of about {$80.00} for the next 3 months. 

Here is the issue, for all of the payments I made of {$150.00} and {$80.00} during the months that no payment was due, the bank still deducted finance charges from those payments. As stated above, the {$3500.00} payment covered 15 months of all charges, yet I was still charged finance charges on the additional payments. 

My question is were those finance charges on the lesser payments legal.

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 2023-09-08
Company: Experian Information Solutions Inc.
State: NV
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I, a Federally protected Consumer, have contacted the companies and credit reporting agencies several times via USPS mail in regard to reporting inaccurate information on my consumer reports to no avail. These inaccurate inquiries are effecting my Rights and lending power. According to the Fair Credit Reporting Act 15 USC 1681 inaccuracies should be removed after an investigation of at least 30 days, I have contacted these companies including the credit reporting agencies starting in XX/XX/XXXX and there are still reporting inaccurate information on my report. I have even opted out which is my right to do so according to 15 U.S.C. 6802, 16 CFR 313.1-2, and The Privacy Act of 1974.

There are still several addresses on my report and there is only one address that is deliverable to me by the USPS this needs to be resolved immediately.

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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions 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 2023-07-17
Company: JPMORGAN CHASE & CO.
State: NC
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:
I am writing to formally register a complaint against Chase Bank for their recent conduct, which has resulted in both financial losses and considerable inconvenience on my part. This issue involves a promotional offer involving the Amazon Prime Card, which Chase advertised during XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Chase 's advertisement promised customers a 7 % cashback on all purchases made using the XXXX XXXX XXXX during the event. This promotion was the sole reason I decided to obtain the XXXX XXXX XXXX, despite already being a holder of two other Chase cards. The attractive cashback offer seemed like an advantageous deal and thus, I found it compelling enough to add another card to my account. 

Encouraged by this promotion, I placed orders worth {$3000.00} on XX/XX/XXXX, and further orders amounting to several thousand dollars on XX/XX/XXXX. To my dismay, Chase began to decline my purchases after a certain point, despite my immediate attempts to resolve the situation. I personally contacted Chase multiple times, conversing with different representatives from their fraud protection department and customer service, yet my transactions continued to be denied. Over 20 attempted purchases were declined, causing my orders to be delayed until after XX/XX/2023. 

This unexplained and ongoing denial of transactions deprived me of the cashback benefits that Chase had promised, resulting in my orders being pushed beyond the promotional period. Additionally, the " no rush delivery '' option on XXXX, which was advertised to offer extra cashback, was negated due to these transaction denials, resulting in further loss of hundreds of dollars. 

I believe this constitutes false advertising and a breach of trust on Chase 's part. Their failure to honor the promotional terms they used to entice customers into obtaining the new card, combined with their inability to address the issue adequately, have caused me significant financial losses and distress. 

I request the Consumer Financial Protection Bureau to investigate this matter, hold Chase accountable for their actions, and ensure suitable redress is provided to affected customers, including myself. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will handle this complaint seriously, and I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: Brightwater Capital, LLC
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:
I have been getting phone calls from Debit collectors for a loan I did not take out. This is also on my credit report. This loan came from XXXX XXXX XXXX XXXX in XXXX, MD XXXX. The person that took out the loan did this online according to the loan office. It was a personal loan for {$35000.00}. the check was sent to an Address in XXXX NC. I do not live in XXXX, and I did not take out this loan. There saying because the last XXXX of my socials was used and they want me to pay for this loan. I have had several debit collector calls and tell me I need to pay for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Dear Agent, JPMC is retaliating against me because I complained to the CFPB. I wrote a complaint last week. This Monday, XXXX XXXX XXXX from Chase ( rep # XXXX ) called to tell me they are investigating the complaint. Today, Friday XX/XX/XXXX, I got a call from Chase telling me they are decreasing my personal credit card limit that I have with them from XXXX to XXXX. They did a " periodic review '' and determined because of this issue I have with their business card that is decreasing my personal credit score because of late payments. For three year now we have been paying on time and they never touched my other credit cards. Now they are decreasing my personal credit limit which further messes my credit card. There is no coincidence that after I complained to CFPB that they are doing dirty retaliation by making it much harder for me. I am seriously getting a lawyer, I'm going on social media, and news. This is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
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: Information is missing that should be on the report

Complaint:
Upon careful review of my report I noticed several inaccuracies, inconsistent and missing information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have a business account that was closed due to a charge from Well Fargo Collection for a transaction that never happened. My merchant account with Wells Fargo was closed and the transaction was reversed. Then a month after I received the letter that the merchant account was closed and the transaction was reversed they then sent the same account to collection. I have spoken with merchant services, the collection department and made multiple calls to the securities department without a return call. As of today, I have an  account in collections that shouldn't be there and no one wants or seems able to correct this problem.

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 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame. I feel because of the pandemic I'm being taken advantage of.

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 2023-07-17
Company: Receivables Management Partners, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company RMP LLC Keeps calling about a debt I suppose to have and if I don't pay they will take me to collection. If I answer they hang up, if I call back they answer but don't say anything just stay breathing on the phone. If I don't answer they keep leaving voice-mails ( I have like XXXX! ). Their phone number is XXXX XXXX. I have my phone number on the do not call list and that not even help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On my XXXX Credit report shows a charged off account of {$1200.00} from XXXX XXXX. I had called several phone numbers starting off with the number that was provided on my credit report. I spoke with XXXX at XXXX and she stated she could not locate an account for me and told me to call Collections at XXXX and I spoke with XXXX. She also could not locate this account and she transferred me to another department and I spoke with XXXX and he told me to call XXXX XXXX at XXXX. I spoke with XXXX and she said the account was due to a charge off from XXXX XXXX where I was a co-signer for a former Fiance. XXXX told me that the account was sold to Midland Credit and I would need to call them and follow up on making payments and/or settlement. I called XXXX and no one answered and the voicemail was full and couldn't take anymore messages. The final number I called was XXXX Midland credit management and spoke with XXXX and he could not locate my account or find out where it was. I have exhausted several attempts to settle this debt for {$1200.00} and no one can seem to find my account or accept payment. I don't know how to settle this debt or how to locate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: TN
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:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding the items listed on my credit report that violate my rights under 15 USC 1681 and the Fair Credit Reporting Act. As a natural person, I have the right to privacy and confidentiality, and I have not given permission to the consumer reporting agencies to furnish the accounts listed below.

According to 15 USC 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 USC 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may include any adverse item of information in a consumer report that is more than seven years old, except for records of convictions of crimes.

Furthermore, 15 USC. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any inaccurate information relating to a consumer to any consumer reporting agency.

The following inquiries listed below are fraudulent and have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : EXPERIAN XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX EXPERIAN XXXX XXXX XX/XX/XXXX Experian I demand that these accounts be deleted immediately in accordance with the Fair Credit Reporting Act. I have contacted the companies responsible for these inquiries, and they have provided no proof that I have authorized these inquiries or that they have a permissible purpose. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2020-04-08
Company: Alpha Recovery Corp
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Alpha Recovery Corp called me and stated there was a debt for apartment lease that was delinquent. I had no proof of debt and asked for documents which I still do not have. I offered to negotiate anyway as I co signed for family to live there. Once I offered to negotiate I was called at inconvenient times, called after I issued cease & desist on a few occasions. I've been threatened, harassed and I am tired of this treatment. I explained to them through email that I would be making complaints and also litigating the matter if it didn't stop which they still continue. Please help me, get this business of my back please. My wife and I are shaken and unsettled which has created much stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: TX
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXXXXXX

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