BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-11
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I would like to tell you Experian, this will be your last change to change your lies, about my person due is complete ilegal. 

I am letting you know, on your face, you got money, you got the power, use it as Law in USA say, use it on the favor the people of america.

Do not Insult USA with your behavior, Take me court, Please i beg You, show and say, what you said in front of a Judge, let see your Hypocresy.

You and XXXX XXXX XXXX Insult me in so many ways and times, as XXXX, call me one day Oh XXXX XXXX who do not know anything about credit. You guys really believe that people are XXXX, Just because you got the power. NO < NO you guys stink in this country If I can not prove all your lies in front of a Judge, declare me Guilty and to my sentence add 5 more years, just because I offend you.

Show to America, who you really are, is insane all your fakes staments, take my advise i can sing to make legal a doument, that if i Can not prove who you are, add 5 more to my sentence. 

What you got to loose, lets go to court your, any way, with all the money XXXX, XXXX XXXX XXXX XXXX have taken from me, your lies, i will owe soon more than {$10000.00}, maybe there i will be able to take you to court. 
You Experian andXXXX XXXX insult me giving me $ XXXX credit,, What happen to the time your charge me {$29.00} + {$39.00} twice on my account, you ever remember?? that you charge twice, so you guys, you really consider me XXXX, you never give that money back, What you say now, you do not remember?? 
To me do not matter if one day you remember and want to give me that credit, do not bother, just donate, that money to any XXXX charities, you will make them so happy. 

IF you need a copy of my bank statement, just ask, I will be glad to show you. 

God bless America and bring XXXX for presidente Again

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 2019-07-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting that an old loan I used to have with their company is still active and past due. This account has been closed and charged-off since XXXX of 2015,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
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: Information belongs to someone else

Complaint:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.

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 2023-09-06
Company: JPMORGAN CHASE & CO.
State: MD
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:
XX/XX/2023 JPMCB Card services ran my social security to check on my credit report which I didnt authorize. I dont have any transactions with them. Someone is accessing my social security to apply or inquire to get a loan/card services. I recall that XXXX XXXX XXXX under XXXX XXXX XXXX had some issues with security incident that was accessed by a hacked and my personal information was access without authorization. I have received a letter from XXXX XXXX XXXX in regards with the incident. I suspect that someone is trying to access my personal information to get a loan from a bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Below is my previous complaint that was closed. Due to a life saving XXXX i was unable to follow up in the time allotted. Pennymac lied and never disclosed the information they claimed in their response. If they did it would be on the recorded call that someone was supposed to follow up with me and never did. They chose to give me a higher rate without exploring my options for a better rate and its unacceptable. My credit clearly would have allotted me a better rate but they chose to discriminate against me instead. 

Previous complaint : This company has discriminated against me and overcharged me in a pandemic. In the scurry to get my finances in order, due to this pandemic, I took the advice of attempting to refinance to get a lower interest rate. The company lowered my interest rate but charged me excessive fees that made it not even worth it to refinance. I attempted to speak with my loan officer who told me I would be saving a lot of money and explained it away. I was also told to hurry along as I wouldn't be able to take advantage of a lowered interest rate for long. My nerves and the desire to keep my family intact with a roof over our heads and somewhere to retreat from this virus believed him. I now know and understand that this treatment was discriminatory and downright despicable. They paid off their own loan for refinance at XXXX and started my new loan at XXXX. It wasn't until i completed a refinance with a different company that I realize this picture was all wrong. I attempted to speak with the loan officer XXXX XXXX who refused to return my calls starting XX/XX/2020. After I was pushed through I attempted to contact the company and speak with someone. All attempts to contact them I've been hung up on or transferred and disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. XXXX and TransUnion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 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

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 2023-07-13
Company: EQUIFAX, INC.
State: PA
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:
Im submitting this complaint to inform you that I am a victim of identity theft.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from this identity theft claim. The following items listed below are unknown to me. Which is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
All in a sudden, American Express closed all my accounts on XX/XX/2021, without any clear explanation. Meanwhile, they took away more than XXXX my memership rewards, which I earned by spending hundreds of thousands money using my cards. In addition, American Express filed 1099misc to IRS reporting some rewards I got through referral as income and I even paid tax for them. 
I contacted American Express several times. It was never resolved or explained. Every time, the customer service promised they would send a letter with reasons or someone would contact me. But it never happened. I did not receive any proactive response from American Express. 
I have been using American Express 's cards for more than 3 years and I value my relationship with American Express. By submitting this complaint, I want my voice to be heard by someone who can make the call in American Express company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: TOWNE MORTGAGE COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a 30-year fixed rate mortgage through TOWNE MORTGAGE COMPANY, which began in or around XX/XX/XXXX. Our monthly mortgage payments were {$1100.00} up until last XXXX, when they suddenly spiked ( without notice, since we are set up for an automatic deduction every month ) to {$1400.00}. They have remained at this level since last XXXX. I have contacted the mortgage company twice and my wife has contacted them once. We have been provided with varying explanations ( property tax increase, home insurance increase, a combination of the two ). 

As of my XXXX statement ( XXXX ), we have paid {$1200.00} towards the principal, {$2400.00} in interest, and {$3600.00} in escrow so far this year, which is absolutely ridiculous. I live in a tiny little XXXX country town in rural Michigan ( though hopefully not for too much longer ), where no one would vote to pay for increased taxes on anything, and I'm certain that my insurance is nowhere near anything that expensive. 

Twice I have been told that they would look into it and notify me of what they found out, but they have never followed through and our payment has not returned to the originally agreed-upon payment. It is absolutely fraudulent that I am being charged {$720.00} per month for taxes and insurance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Sub-product: Store credit 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:
Received a billing statement from home depot for {$11000.00}. Charges were all within days of each other from around the state of ct. We have our cards in our possession and have only given home depot workers our numbers when ordering. In XXXX i called to alert them, they removed the charges and issue us new cards. Because we had charges that we have made we paid our bill. only to be sent a letter in XXXX to say we are responsible for the amount because we were paying on the bill. We were told to continue our portion of payment until the fraud has been resolved. They then reopened the case as i involved the police. However i have not heard any thing to get these charges removed.

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 2019-07-22
Company: Harpeth Financial Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Over the phone, I had tried to get Advance Financial to stop taking automatic payments from my account ( ACH ), I was advised by a phone representative that they could not do that since they don't have payment locations in this state. I subsequently learned this was incorrect and customers can ask lenders to stop ACH ( and debit ) withdrawals. 

At least 3 days prior to a payment date of XX/XX/19, I contacted Advance Financial and advised them that I was unable to have a withdrawal from my account of {$350.00}. The representative agreed to honor my request. Yet on XX/XX/19, {$350.00} was taken via debit card from Advance Financial from my account. When I contacted them I was advised that sometimes they can not accomodate requests if someone did not meet a prior payment arrangement. I had in fact once been 3 days late and they also made a debit card withdrawal. When I told the representative that I could not feed my kids they said there was nothing they could do. I need the {$350.00} back so I can feed my kids. 

Advance Financial is a predatory lender that does not honor requests regarding payments and lies to their customers about the ability to stop ACH payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom this may concern, I XXXX XXXX have reached out to this company regarding a debt on my credit reports from XXXX XXXX XXXX it is reporting open it and is also reporting I have late payments. This account is not my account I do not have an open account with this company and the balance is incorrect as well as the payment history reporting on my transunion report. This company agreed to getting this corrected back in XX/XX/2022. This length of time is unacceptable and I would like this resolved immediately please.

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 2022-10-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Experian about the following negative accounts 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 Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint again to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX XX/XX/2022 XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX, MD 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 2020-06-12
Company: JPMORGAN CHASE & CO.
State: NJ
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:
I filed a dispute with Chase Bank for a charge on my credit card. 

The XXXX  " XXXX '' sold a case of 3M masks for {$350.00} on XXXX. The regular price was about {$40.00} before COVID-19. I bought this one since everyone was worried about COVID-19. However, it was price gouging. I found it out price gouging is illegal in Texas and my friend gave me some masks. 

XXXX only gave warning to this seller. 

So, I rejected the delivery. The bottom line it that I don't have the item. 

Chase bank offered refund so I stopped dispute with XXXX. Then, Chase recharge. The Notice from chase provided XXXX 's response with call me a scammer just because exposed this XXXX  's illegal price gouging. 

Chase bank doesn't have anyone answer telephone ; I couldn't speak to anyone regarding the case. 

Since rejected package used the same tracking number, so it doesnt ' update the tracking information. 

It is unfair for Chase to recharge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: CA
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 Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B : A creditor may not Treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1605 : Determination of Finance Charge the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. 

XXXX XXXX XXXX XXXX Bank XXXX XXXX Account # : XXXX, XXXX ) XXXX XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX : {$460.00} XXXX XXXX Balance : {$6500.00}

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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX XXXXays straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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