BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
JPMCB Card Services violated 6 of my federally protected consumer rights in the collection of debt. 

15 USC 1692b ( 5 ) 15 USC 1692b ( 2 ) 15 USC 1692e ( 11 ) 15 USC 1692e FCRA 15 USC 1681 FDCPA 15 USC 1692d ( 1 ) I have attached exhibits as proof, explaining each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act Creditors Bureau Associates, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, hard inquiries that I did not authorize. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Hard Inquiries need to be removed for violating my rights.

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 2023-04-11
Company: EQUIFAX, INC.
State: AZ
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and Transunion should not be reporting the following accounts as a collection on my credit report XXXX XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. The bureaus are also reporting incorrectly the following accounts as a collection XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report for reference. ) I was on a monthly payment plan and the payments were set up recurring automatically from my bank account. When I discovered they never debited my account I immediately contacted the billing department. I found out that the hospital/physician billing office doubled my monthly payment amounts at the beginning of the year without notifying me. I never received any telephone calls, emails, or letters regarding this change in payment arrangements. When I tried to make a payment to the billing department, they refused to take the payment and consequently, sent me straight to collections. In addition, I have been disputing these items on my credit report and the ( 3 ) bureaus continue to show the status of these accounts as not in dispute. This is false! I have been attempting for weeks to get the bureaus to report accurate information on my credit report. Please update my credit report to show that these items are in fact in dispute. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2023-10-20
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
violation of 15 U.S. Code 1605 ( a ) ( 5 ) on the date of XXXX XXXX XXXX  violation of 15 U.S. Code 1662 ( 2 ) on the date of XX/XX/2023 violation of Texas Title 4 Subtitle A Chapter 302 ( b ) on the date of XX/XX/2023 i sent a affidavit, and a cease and desist letter via certified mail.

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 2021-02-14
Company: Paypal Holdings, Inc
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed and waited nearly 6 months to get my unemployment and then when I did it was detect deposited into my pay pal account where after it was deposited I was able to use some funds to get caught up on bills and back debts due to covid 19 then pay pal froze my account for 180 days for what they say suspicious activity ive sent them all documents needed ive called them they never asked me to verify my transactions or told me what suspicious activity just froze my funds I need that money ive got family to support and with the covid everyone needs whatever help the can get I don't feel that pay pal is doing things according to the law and shutting someone off and freezing there funds in times of need for no reason isn't very justified or legal my next step after this is Congress and legal council and im gon na be taking pay pal to court woth a law suit if this doesn't resolve the issue thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Navient Solutions, LLC.
State: IN
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:
Navient - incorrectly reporting student loans as late per credit car a - I have filed a dispute but in the meant time my credit score is plunging! Navient has the same account numbers for my unsubsidized loans and has mis applied payments in the past. In addition I requested a forbearance on XX/XX/2020 and They are now reporting loans as late that are protected by Covid 19 rules. I have also requested that all communications be in writing and send but USPS to my physical address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to reinvestigate the following accounts from my file. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$190000.00}, XXXX XXXX XXXX Balance : {$25000.00}, XXXX XXXX Balance XXXX {$2.00}, XXXX XXXX XXXX Balance : {$36000.00}, XXXX XXXX Balance : {$620.00}

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 2021-02-14
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX, I received a court summons from XXXX  XXXX under attorney XXXX XXXX XXXX to appear to court for claims owed of {$2200.00}. XXXX XXXX that provides XXXX equipment such as XXXX and XXXX XXXX to various hospitals including XXXX XXXX XXXX XXXX Hospital that I was admitted to in my car accident of XX/XX/XXXX. This company XXXX  XXXX attempts to collect money from a poor individual is unconstitutional as I have applied for financial assistance programs that have been in the process of relieving any remainder debt owed at the XXXX Hospital. I urge people to follow up with any XXXX XXXX XXXX service provided at any nj hospital as XXXX XXXX aims to strangle patients that will have them end up back in the same hospital bed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: NV
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:
i am a recent victim of identity theft. my information was exposed in multiple company breach 's. shortly after the breach i started getting all kinds of credit inquires. i would like for Experian, XXXX and XXXX to remove these fraudulent inquires asap. the inquiries are as follows. XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-04-12
Company: EQUIFAX, INC.
State: PA
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:
This is the file number from the credit reporting company. XXXX  XXXX. 
They are saying this my account when it was sold to an collection company with giving me a copy of the purchase agreement. This shows the incorrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian and XXXX should not be reporting the following accounts as a collection on my credit report XXXX XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. The bureaus are also reporting incorrectly the following accounts as a collection XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report for reference. ) I was on a monthly payment plan and the payments were set up recurring automatically from my bank account. When I discovered they never debited my account I immediately contacted the billing department. I found out that the hospital/physician billing office doubled my monthly payment amounts at the beginning of the year without notifying me. I never received any telephone calls, emails, or letters regarding this change in payment arrangements. When I tried to make a payment to the billing department, they refused to take the payment and consequently, sent me straight to collections. In addition, I have been disputing these items on my credit report and the ( 3 ) bureaus continue to show the status of these accounts as not in dispute. This is false! I have been attempting for weeks to get the bureaus to report accurate information on my credit report. Please update my credit report to show that these items are in fact in dispute. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2018-10-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In 2003 Washington Mutual gave my elderly XXXX mom with no job a home equity line of credit of {$50000.00}. At the time she was receiving a monthly gift from my dad who was paying her alimony up until I was XXXX me being the last child. I am XXXX now. He was under no contract to pay her lifetime alimony. And she had an income of less than {$500.00} social security. She racked up up bill of more than {$14000.00} before I started paying her bills for her and figured out what happened. Nowadays no one would ever give an elderly XXXX person with no job a big loan. I don't believe she should have ever been given this money to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-02-14
Company: Byrider Franchising, LLC
State: WV
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:
On XX/XX/2021, I contacted CNAC about a vehicle loan with them. I had informed my account manager that I would be voluntarily surrendering the vehicle back to them, because I was unable to pay for the vehicle any longer. She took information down about when I would return it and other issues with the vehicle. I received an email from credit karma that a hard inquiry had hit my account, upon logging in and reviewing, I noticed that CNAC had ran my credit without my permission or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: AMERICAN HONDA FINANCE CORP
State: HI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I have tried to work with Acura/Honda Financial Services many times on my issue. I have called multiple times and went into the dealership multiple times as well. My issue is they informed me when I went to buy the car they do not accept third party checks ie I could not use my XXXX XXXX XXXX, but had to either finance through Acura or a local credit union they had partnered with. My credit is XXXX and XXXX offers rates at 2.9 %, while Acura 's and the local credit union 's rates fluctuate between 4.5-6.8 %. This is insane and I do not understand how they can just change the rules and say they will not accept third-party checks!? This isn't stated in their leases. Why can't we finance through more beneficial means? Why/how can they force people buying their vehicle returns to use their XXXX banks? 

THIS WAS NEVER MENTIONED DURING THE LEASE PROCESS AND THEY SAID IT WAS A NEW POLICY. How can they just make up a policy and ban other banks, with better terms, from financing these vehicles? I am still the one buying it via a loan from a bank with better terms. This is DISHONEST and Acura/Honda Financial Services should be ashamed of themselves!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had reached Equifax bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020, I made a credit card settlement agreement with Wells Fargo to make XXXX payments of {$1100.00} on XX/XX/2020, XX/XX/2020 and XX/XX/2020 ( this settlement was based on 30 % of my outstanding debt ). Those XXXX payments would have completed my debt settlement agreement. 

On XX/XX/2020, I checked my credit report and noticed the Wells Fargo debt was still on the report. I called Wells Fargo on that day to find out why. Wells Fargo claimed I provided an incorrect checking account number when I updated my payment method on XX/XX/2020. 

The Wells Fargo agent said Wells Fargo received an account does not exist error message from my bank ( XXXX XXXX ) and that my third and final debt settlement payment was never processed. 

Wells Fargo claims I provided an incorrect checking account number. Ive repeatedly asked for a transcript or to listen to the recording but they refuse to do this. 

I was never notified by Wells Fargo that my final payment did not go through not by phone, text, no voice mail, or USPS mail. I can prove with my XXXX XXXX  statement that I had sufficient funds to make the payment. I can get it notarized if necessary. 

By the time I contacted Wells Fargo, on XX/XX/XXXX, I was told by a Wells Fargo agent that I had just missed the 30 day window to correct my payment method. I was never given the opportunity by Wells Fargo to make the correction. The agent told me I should have been monitoring my checking account to make sure the final payment went through. 

I also never received a letter by USPS mail or by email confirming the terms of the settlement agreement. 

| Various Issues | After filing a complaint on XX/XX/XXXX, I discovered Wells Fargo had my mailing address as XXXX XXXX XXXX, XXXX XXXX. I live at XXXX XXXX XXXX, XXXX XXXX. After XX/XX/XXXX, It took over XXXX months to get Wells Fargo to correct my mailing address and Ive documented the various times I asked them to correct the address. 
-- -- -- -- -- I've spent hours on the phone with Wells Fargo over the year and I created a timeline of my conversations which I presented to a bank manager at a Wells Fargo branch. She used the timeline to file a complaint on my behalf.

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 2023-08-26
Company: Experian Information Solutions Inc.
State: SC
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:
I am writing to formally dispute the accuracy and validity of an account that appears on my credit report. I believe that the credit reporting agency has failed to conduct a thorough investigation of my previous complaint and has neglected to rectify an error that directly impacts my financial well-being. 

Details of the Disputed Account : Account Name/Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$10000.00} In XX/XX/XXXX, I noticed a similar fraudulent account on my credit report and promptly notified the credit reporting agency . At that time, two accounts were erroneously reported under my name. The agency acted by removing one of those accounts but has neglected to remove the current account in dispute, even though both stemmed from the same error or fraudulent activity.

The continued presence of this fraudulent account on my credit report has adversely impacted my creditworthiness, causing undue stress and potential financial repercussions. I have no knowledge of or responsibility for the aforementioned account, and I reiterate that this is a case of fraud or error.

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 2021-11-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian keep allowing the closed account to be reported on my credit file. This student loan is closed and expertise has the dates wrong on the account and its been a old debt since XXXX and experience is falsely reporting it has being late in XXXX when its been in debt since in XXXX. The 7 year grace period has pass.

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 2023-05-04
Company: Block, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2023 approximately XXXX XXXX XXXX cents was stolen out of the account my email was changed and the person added a XXXXXXXX XXXX  debit card and stolen my money out of the account the representative speaking with him an error said he would fix it after an hour send me email contact my bank I just want my money back

Company response to consumer: Closed with explanation