BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: TN
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:
I recently contacted the company XXXX about inaccurate information reporting on my credit that was making a negative impact on my creditworthiness. I contacted them in the month of May to let them know of this activity. As well as inform them that the accounts reporting were made by way of fraud and that I filed a separate report with the FTC on said issues. I forwarded the information to them as well as tried to start a dispute process with them over the phone but I could not get any help at all. to know avail the information currently updated on my report is accurate even thou my address is incorrect and I do not have any knowledge of the accounts that reporting based on USCI recently reviewed my credit profile and noticed inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U, S.C. 5 1681i, every single one even each or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment on my credit report : ( dispute item and explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the RSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.

I await your reply with the above requested

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 2022-07-24
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. 
XXXX  account : XXXX XXXX XXXX # XXXX, and XXXX XXXX # XXXX, and Child Support # XXXX. Has violated my rights. 
15 USC 1681 SECTION 602 A. STATES, I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1692d-HARASSMENT OR ABUSE ( 2 ) THE USE OF OBSCENE OR PROFANE LANGUAGE OR LANGUAGE THE NATURAL CONSEQUENCE OF WHICH IS TO ABUSE THE HEARER OR READER. ( CAUSING MENTAL ANGUISH ) 15 USC 1692 b. ACQUISITION OF LOCATION INFORMATION.

ANY DEBT COLLECTOR COMMUNICATING WITH ANY PERSON OTHER THAN THE CONSUMER FOR THE PURPOSE OF ACQUIRING LOCATION INFORMATION ABOUT THE CONSUMER SHALL- ( 2 ) NOT STATE THAT SUCH CONSUMER OWES ANY DEBT TITLE 15- COMMERCE AND TRADE CHAPTER 94-PRIVACY SUBCHAPTER I - DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION SEC. 6802 - OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION 15 USC 1635 ( a ) DISCLOSURE OF OBLIGOR 'S RIGHT TO RESCIND, AND ( b ) RETURN OF MONEY OR PROPERTY FOLLOWING RESCISSION.

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 2022-07-24
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  account : XXXX XXXX XXXX # XXXX, and XXXX XXXX # XXXX, and Child Support # XXXX. Has violated my rights. 
15 USC 1681 SECTION 602 A. STATES, I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1692d-HARASSMENT OR ABUSE ( 2 ) THE USE OF OBSCENE OR PROFANE LANGUAGE OR LANGUAGE THE NATURAL CONSEQUENCE OF WHICH IS TO ABUSE THE HEARER OR READER. ( CAUSING MENTAL ANGUISH ) 15 USC 1692 b. ACQUISITION OF LOCATION INFORMATION.

ANY DEBT COLLECTOR COMMUNICATING WITH ANY PERSON OTHER THAN THE CONSUMER FOR THE PURPOSE OF ACQUIRING LOCATION INFORMATION ABOUT THE CONSUMER SHALL- ( 2 ) NOT STATE THAT SUCH CONSUMER OWES ANY DEBT TITLE 15- COMMERCE AND TRADE CHAPTER 94-PRIVACY SUBCHAPTER I - DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION SEC. 6802 - OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION 15 USC 1635 ( a ) DISCLOSURE OF OBLIGOR 'S RIGHT TO RESCIND, AND ( b ) RETURN OF MONEY OR PROPERTY FOLLOWING RESCISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, INC.
State: IN
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 unable to access my credit score or credit report on any website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I tried to do a refinance with Quicken Loans. 
I spent 6 weeks working with them, beginning on XX/XX/XXXX. 

In the end, my application was rejected because the property is more than 20 acres and is a residence in a residential zoning district. Note that my credit is exemplary and the property appraised for over estimated valuation. 

Following this, I asked Rocket to remove the credit check from my account as it was based on the false premise that they provide jumbo mortgages to properties such as mine. 
At this time the agent refused to acknowledge any accountability of Quicken for it's false business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
So I have been dealing with Sallie Mae for about two years now. I didnt have a bank account when I started paying them I had a prepaid card from work that I was trying to use. I eventually got a bank account and started making payments very consistently, I had a couple reversed but I got them paid. They were supposed to be taking it out automatically around early XXXX but they said that due to a bunch of unsuccessful payments they could no longer do it. After that they started calling and harassing my XXXX XXXX XXXX grandfather. I called them and told them not to contact him to only call me and they stopped calling him and even lowered my monthly payments. Currently in XXXX I have had to still call and make payments they keep saying they will unlock my account online but it has never been unlocked. I had one late payment which I paid but they double charged me for XX/XX/XXXX payment along with the XX/XX/XXXX payment which was the late fee I only wanted to pay XXXX and they did not give me the option to just pay for the late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Affirm Holdings, Inc
State: CT
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I disputed my affirm purchase for Loan XXXX XXXXXXXX for a damaged item complaint. The dispute was ruled in the seller 's favor. I have since then filed a XXXX  insurance claim for the item I received. The claim was approved by XXXX  and they have sent the claim to XXXX XXXX XXXX. The seller is claiming to not have received anything from XXXX  even though I have proof from XXXX  about the claim & paperwork being sent. The seller now has my original payment and the insurance claim for the damaged item. I am requesting an immediate removal of this loan from my account or I will be going to small claims court to get my money rightfully refunded to me. 

I just called XXXX  and got word from them that not only did the seller receive the claim information but voided and refused the claim on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have repeatedly asked for a history on our loan, and have yet to receive one. We noticed on recent statements that we are being charged interest on fees the service provider is charging that we have not been notified about. ( quarterly appraisal fees? ) We have also received correspondence in incorrect names with our mortgage loan number and address. We also have reason to believe our escrow account has not been properly managed as we are now due for two years of insurance in our latest statement.We can not get answers from the ombudsman email address or via phone. We have reason to believe they are in violation of several fair lending laws. Our home has been undervalued so we continue to pay PMI, on which the premiums keep increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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:
My name is XXXX XXXX and I am submitting this complaint on behalf of myself. I constantly check my credit report and noticed that the errors and false and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me tremendously and held me back for quite some time now. I am demanding the CFPB to enforce the correction and/or deletion of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2019-08-07
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My complaint is against Chase Bank and their credit card service. They did not provide me with a valid reason for rejection of my dispute on a transaction. 

I made a purchase with a company and they charged me the wrong amount. I contacted the company and they were unwilling to credit the difference. 

I filed a dispute with Chase and was told that if I did not have a receipt showing the amount that I was supposed to be charged, then I was liable. 

This payment was placed by phone and I never signed or agreed to any documentation to support what I was charged. The merchant responded to my dispute by sending a contract that is signed by the seller but the signature line for the buyer is blank. For some reason Chase took this contract WITHOUT a signature as proof of it being a valid charge. 

I escalated the dispute up the Chase Executive office and was again denied. I was contacted by a XXXX XXXX at XXXX XXXX. She repeated the same as the dispute department that I needed a receipt as proof of what I should have been charged. I asked her that if anyone wanted to be deceitful, they are not going to give any paperwork. 

I also asked her that if this person would have charged me {$20000.00} then agreed, that I would be liable? She stated that yes, I would be. 

I asked her if she could send me Visa rules or even Chase rules stating such. She refused and then said she would but never did. I called her two different times requesting this information and she never returned by call. 

If this is the rule for credit cards and the general public knew, that would be an end to all credit card use. Who would make a purchase by phone or internet knowing they are liable to whatever amount the merchant charges? 

Thank you for any assistance on this matter. I didnt realize until now that I had an option to file a complaint about my bank. 

I have all paperwork and letters from Chase about this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-05-26
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
During XXXX after my military service I was trying to adjust and requested lower payments or forfeit the loan or sale and was denied any accommodations. They NEVER picked up the car and kept charging interest and other charges after I moved and left the state and they failed to communicate and assist with a resolution as I was in a financial strain it seemed easier for them to keep charging me and now they have sold the debt and not taking accountability as I worked hard to work the situation out even from another state for almost 1 year. This company isn't operating ethically this game almost seemed deliberate.

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 2020-06-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am AUTHORIZED USER ON my husbands XXXX XXXX CREDIT CARD ACCOUNT ... .the due date is the XXXX of each month and closes out the XXXX of each month and XXXX of the XXXX is when it reports to the bureaus ... ..on the report date my balance was XXXX ... ..now on XX/XX/XXXX which is not my report cycle ... .EXPERIAN reported my account over the limit at XXXX and dropped my credit score significantly ... I am attaching my statement that closed XX/XX/XXXX and should have been reported in XXXX ... XXXX statement has not even generated yet ... .Please correct this and re-score my file ... .I am in the process of buying a home ... the CREDIT BUREAUS ARE CONSTANTLY WORKING AGAINST THE CONSUMER ... now when this account is at XXXX ... .THE BUREAUSE DON'T REPORT XXXX!! I HAVE TO CALL THEM TO UPDATE MY 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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 2023-03-05
Company: Experian Information Solutions Inc.
State: PA
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:
Please ask this debt collector to verify this debt? 
I do not owe this debt and please ask the creditor to answer the questions below? 
Collector Information : XXXX XXXX Original debt collector : XXXX Deposit IQ Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Phone number : XXXX Collector information XXXX XXXX  Original Debtor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number : XXXX 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state. ( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt. ( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined?

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 2022-12-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently had my loan sold to Select Portfolio Servicing. I have made 3 monthly payments to them toward my mortgage. They are charging every mortgager a {$17.00} fee every time we make a payment on our loan. It is not a late fee they call it a processing fee. The only way to avoid this fee is to do auto draft payments. I have had a bad experience with companies taking money out of my account so I don't want to do auto drafts. I don't feel if you are paying your mortgage on time every month how can they charge me to make my payment. I feel they are stealing from customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I went to doctors and XXXX paid the hospital but not the doctor the hospital never sent over the information for the doctor to get paid. This shouldnt be on my credit and the bill should have been paid but since they never got my insurance information its on my credit. I kept saying that I have insurance eventually I told them to stop calling

Company response to consumer: Closed with explanation