BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I am using the Chase card benefits re : trip disruption to get refunds on a roundtrip flight as a result of the hospitalisation and passing of my grandmother. It covers both myself and my finance who both used the card to purchase flights and had to cancel last minute due to my grandma 's sudden illness. ( for claim no. XXXX ; XXXX ) I have provided all the required paperwork a month ago ( see the list of paperwork that is required per Chase eclaims website FAQ and the list of paperwork I've provided ). However, I keep getting unreasonable follow-up requests for additional paperwork above and beyond what's required, and with minimal explanation for why they are needed. It feels like hte insurance is trying to drown me in paperwork so they don't have to make the payment. Some of the last ones are imposing significant burden for me to provide- for example, one of the comment was " proof of refund was insufficient '' and asks that I follow the example on FAQ website. However, I can't follow the prescriptive letter head on the FAQ which offers some refund and apologies to the customer- in my case, it was my grandma 's hospitalisation and passing, and not the airline 's fault or delay. Thus there is no written statement for any refund other than the email that was sent to me. This insurance benefit feels like a complete scam- especially in my case, there is no sense of humanity other than just wanting to profit and minimise insurance claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Student loans reporting all inaccurate information. The loans are up to date and rehabilitated. XXXX XXXX Trust, Department XXXX, XXXX, & XXXX XXXX. Please update my Student loan information to reflect the true accuracy. Since there are so many errors reporting on loan information I asking for all other adverse be updated. 
XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX are all paid as agreed and have never been delinquent on the dates listed on my credit reports.

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 2020-05-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I received an entry on credit report XX/XX/XXXX, XXXX in the amount of {$930.00}. I contacted XXXX  on XXXX XXXX XXXX ( XXXX XXXX ) and the collection agency they use IQ Data International in XX/XX/2020. On XX/XX/2020 I checked my credit report again and the amount went to {$930.00}. 
No one has sent me a written verification of this debt. I spoke with property manager XXXX XXXX  on XX/XX/2020 and all the charges she read, I told her was inaccurate. Some of the charges she stated are the carpet couldn't be cleaned because it was at the 5 year mark and need to be removed- {$250.00}. The tile around the bathtub couldn't be cleaned they had to refinish it.- {$250.00}, holes in the wall, damages to the mini blinds, and pet damages. All of these are false. I paid a {$200.00} nonrefundable deposit in order to move in and none of that {$200.00} went to supposed damages. Where did deposit go and what was deposit for? 
I asked if she could either email or mail me a copy of the invoice and pictures. She agreed but as of today I still haven't received anything. On XX/XX/2020, I mailed a certified letter to IQ Data International. I received the postal card back with signature of employee but no written verification of charges. The damages they said I made to apartment is false. I sent IQ Data International copies of the photos that I took when I moved out. I also sent them reviews of other tenants who had the same fraudulent complaints as me. This has affected my credit score and I am no longer able to get a place to live because these companies want to make money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are reporting on my credit report and they are inaccurate and do not belong to me. I've disputed XXXX XXXX & XXXX in the past and these accounts were deleted from my report for fraud, and they are back on my report again! These negative inaccurate accounts are hindering my score and not reflecting my true credit worthiness these accounts need to be deleted expeditiously

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: LEXISNEXIS
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
LexisNexis receive Money and Compensation from XXXX XXXX XXXX by providing XXXX with a Credit Report on me. XXXX after receiving the Credit Report from LexisNexis then denied me Automobile Insurance. 

Although LexisNexis knew who I was and everything about me when they received Money and Compensation from XXXX XXXX XXXX and provided a Credit Report on me to XXXX, LexisNexis now sas they do not know me.

LexisNexis refuses to give me a copy of any and all of the documents they gave to XXXX XXXX XXXX. 

The Federal Consumer Financial Protection Bureau is a failed agency with failed Management and failed Management Policies that accept any ridiculous responses from Lexis Nexis, then closes the cases of Consumers with no help or resolve and thereby allows LexisNexis to break the Federal Credit Laws of the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a phone from XXXX XXXX I was quoted 1 amount for the monthly bill and received a bill for a different amount I was given 30 days to return all items which I did on or around XX/XX/XXXX. I got the phone on or around XXXX XXXX. The woman I spoke to called me on or about XXXX XXXX and informed me that they received their items and I owed nothing. Now today XX/XX/XXXX from AmSher Collection Services Inc. that they're attempting to collect a debt of {$160.00} for XXXXXXXX  for a debt from XXXX XXXX. 
I called XXXX and spoke to a representative who stated that since I no longer have an account she couldn't help me and I'd have to go to a XXXX  store. I am also a XXXX XXXX XXXX veteran and live on a fixed VA XXXX income only

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XX/XX/XXXX I submitted a dispute of a XXXX account. That account was not mine, didnt have my legal name and had my grandfathers address. Its a mixed file and I havent gotten a response from XXXX or TransUnion. TransUnion dropped my credit score below 650. Every time I file a complaint about a credit agent my scores sinks

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 2021-06-06
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX this debt was reported by the company itself the debt was disputed and removed from all credit bureaus by the company because the debt didnt belong to me. In XXXX of XXXX the debt was sold to a third party, which is who my complaint is about. They are now reporting this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: NC
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2022-08-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have owned homes since 2000. We have never had problems like we have had with PennyMac. 

We did not sign up with PennyMac. They " bought '' our mortgage from another company last year, soon after we bought our house. They have bungled the paperwork at every turn and exhibited a pattern of negligence throughout. 

1. Last year, they did not pay our taxes. We ended up paying out of pocket, instead of out of escrow. I see from the escrow records they sent the money SOMEWHERE, but it never arrived where it was supposed to ( XXXX XXXX XXXX XXXX ). 

2. Earlier this year, they suddenly said they were charging us for insurance, because we had no insurance company. We did, actually. When the bought the mortgage, THEY NEVER BOTHERED to contact the existing insurer and properly set up where the bill would be sent, again, to escrow. 

PS I would send the documents about the insurance mess, but PennyMac conveniently " wipes '' their message center over time, so you have no record of past disutes! I managed to save the PDF of one of those exchanges last year. 

This has NEVER HAPPENED BEFORE, ever, in 21 years of us being homeowners, and our mortgage was sold *four times* while we lived in Florida! 

3. So we come to now, and the reason for my panic. I got an email from them saying " No problem, we're paying your tax bill, it's all good '' and they said not to send them the tax bill. So when I got the XXXX XXXX tax bill : a ) It was for a different amount b ) It clearly said " send this to your lender '' c ) There was no indication on the bill they even knew who PennyMac was. 

( c ) is more frightening because the tax bill in Virginia ALWAYS said who the lender was, and actually said, don't worry about sending this to them, we've already done it. 

So in short, I've been abused enough. Someone needs to fix these problems once and for all. And just maybe, this is a PATTERN of abuse, that should actually be investigated. Are there other homeowners out there who aren't quite as vigilant, who are already in trouble with the local tax authorities, who are already paying double exorbitant insurance rates?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-11-14
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On the month of XXXX, a collection agency IC systems started reporting an open credit of {$290.00} from XXXX XXXX XXXX. This company has come out of nowhere and damaged my report for a service I havent had in years. Also, back in 2015 I paid XXXX XXXX off in full. Its been almost 3 years since I had service with XXXX XXXX and when I did have service they were paid in FULL. I return all equipment back to them the year of XX/XX/2015. All of my debt has been settled with this company years ago. I have never had an account with IC systems ever and they are damaging my credit. Also, this company is false reporting things to XXXX. This account does not show on any other credit bureau but XXXX   because it is false. I called this company multiple times between XXXX and XXXX, and spoke with representatives but no one can tell me why this account appeared. Also, this company has never sent me a statement saying why I owe this amount of money. This is effecting me with potential job opportunities and my current job with the city. Its also making my credit score lower as well which it hard for me to finance a new home and other things. I never had a debt with this company, and dont know how it came about. If this agency continues to report negative inquires on my report, I will file a civil lawsuit on this company. I will be contacting a lawyer to help me with this issue if its not settled.

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 2018-12-13
Company: 2288984 Ontario Inc.
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received between 5 and 10 calls, every single day for months. I have asked that they stop calling my cell phone, since they are calling so much and the calls just increased. Some of the calls, when answered, just sit quietly and hang up after a minute or so, others they answer the phone screaming and then when you tell them you don't appreciate being called 10 times a day they tell you to " get over it. '' They also call from a different, but similar, number every single time, so trying to block the numbers won't work either. Tonight, I stated that I was going to report them and the woman laughed at me and said " like the government would take the side of someone who owes money over the ones putting money in their pockets. '' I understand I owe a debt, I have lost my job, I have properly communicated this information with XXXX XXXX   per my signed agreement, yet they are literally harassing me all day and night, every single day and night.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Comerica
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I'm a huge advocate for my kids the XXXX that receive XXXX & I refuse to allow anyone to take advantage even this card company! On XX/XX/XXXX all the way up to XX/XX/XXXX my card was used for unauthorized transactions I was unable to get into my Direct Express account due to Direct Express suspending my account because they realized fraudulent activities as well. I was finally able to speak to someone but it was the weekend and she took the suspension off and made notes about the unauthorized transactions. I turned in all required documentation required and still haven't received anything. When I call I get told I qualify for a provisional credit but there is no date or time frame they still have to approve it. This is ridiculous I am a single mother of XXXX kids XXXX in which receive XXXX due to them having a XXXX and I'm currently XXXX XXXX XXXX. I will continue to be an advocate for my kids!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: January Technologies, Inc
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2020 i sent a negotiable instrument to municipal credit union to settle a credit card debt for {$5200.00}. Which was settled, but XXXX XXXX XXXX sold the debt to January Technologies Inc. Then then contacted me by email to collect the debt again. I then sent a negotiable instrument for {$10000.00}. January Technologies Inc said it would take 45 days to process. About 35 days passed they sent me correspondence that they could not process the instrument and it was shredded. They did not have any authority to shred my instrument. 15 usc 1681 and 18 usc 2071. They have done unfair practices and have mutilated the instrument without my consent. The account has not been settled and they are stating i still owe the amount. XXXX was made to this company according to state law pursuant to UCC 3-603B.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I got a notification from XXXX, through XXXX XXXX that the account was closed. It was not on my credit or collections from XX/XX/XXXX tbrough XXXX XXXX. Then after it was closed it shows back up on my credit. An account that is closed can not be reopened or put back on your credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Experian Information Solutions Inc.
State: IL
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 received a copy of my Experian credit report an it showed alot of inaccurate information specifically a bankruptcy. Sent letter to request method of verification received by Experian on XX/XX/21 with NO RESPONSE. Sent 2nd request for Method of verification received XX/XX/21 by Experian and on XX/XX/21 they replied with file # XXXX that the bankruptcy was certified as accurate by XXXX and certified as accurate again XX/XX/21 with file # XXXX. Appalled by this information I went directly to XXXX to verify the bankruptcy in there files and on XX/XX/21 the bankruptcy was deleted and removed from there files because it couldn't be verified. I sent the results of investigation to Experian stating there is no bankruptcy on XXXX files and they must also remove this inaccurate information from there file. Experian received the request to remove the bankruptcy along with a copy of the results from XXXX on XX/XX/21 and on XX/XX/21 file # XXXX and XX/XX/21 file # XXXX referencing the bankruptcy still on there file and it remains unchanged. Either Experian lied about verifying the bankruptcy or never sent the request to verify the validity of bankruptcy on there file. The bankruptcy was removed from XXXX file as of XX/XX/21. How can any report after that date still be referencing the bankruptcy on there files.

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 2023-07-11
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: Information belongs to someone else

Complaint:
I have tried to work with both the credit beurres and collector to have this fraudulent account removed from my credit report. There is information on my consumer report that is a result of identity theft I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. I tried reaching out to the collector various times via email and mailed letter asking for validation debt letter and they failed to provide me with it. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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 explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: AZ
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:
There are several unauthorized credit inquiries listed on each of the three credit reporting agencies. I have contacted each credit reporting agency individually using a certified mailing option. The dates of contact are XX/XX/23 and XX/XX/23, respectively. 
Each of the credit reporting agencies have continued to report these unauthorized inquiries and have not responded to my request to-date ( XX/XX/23 ). 
As the consumer, when I contact a credit reporting agency with information that I believe to be inaccurate or requesting investigation into inaccuracies, I expect that they will handle these matters with some urgency and respond to me timely with updates regarding my legitimate requests. 
This has not occurred and I wish to complain about these credit reporting agencies and have their business practices investigated. Their role as a consumer credit reporting agency, consumer being the main focus here, then I would presume that they have a fiduciary duty to appease the inquiries of the consumer whom they exist to serve. Maybe I am mistaken but I am certain that I am not the only victim of these unethical and unsupported business practices.

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