BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 XXXX XXXX XXXXXXXX, 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.

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 2023-01-27
Company: EQUIFAX, INC.
State: VA
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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:
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 2023-03-22
Company: Williams & Fudge, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A person by the name XXXX XXXX ( XXXX ) called my place of work multiple times asking for me by name. When I looked up the phone number it states its a debt collector. I am not aware of any debts and it is illegal for a debt collector to call your place of work. Since it was multiple times I found it as harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I paid my XXXX credit card account-XXXX off and received verification that my account was closed on XX/XX/XXXX and I would receive a payout of {$220.00} via ACH direct deposit on XX/XX/XXXX. 
On XX/XX/XXXX I received an itemized break down from XXXX and was informed " the payout is what you paid in less the interest on the loan and any fees to date. '' Here is the itemized breakdown of the payout : Total Paid {$580.00} Total Interest - {$44.00} Returned Payment fee ( s ) - {$0.00} Late Fee ( s ) - {$17.00} Early CD Withdrawal Fee Accrued CD Interest - {$0.00} + {$0.00} XXXX  Visa Credit Card Deposit ( if applicable ) - {$300.00} Payout Owed {$220.00} After receiving my payout, I was assured the account was closed. 
Unbegnknownst to me, In early XX/XX/XXXX I became aware the account was still active and accruing interest in addition to late fees upon receiving a notification from my credit monitoring report. 
The worst part is that XXXX  reported the account that had been previously closed to the credit bureaus, negatively impacting my credit report on false records. This is ironic, as XXXX literally advertises that the company will boost your credit score. 

I would like the outcome to be that my all late fees are credited back to my payment account on file XXXX and that the false information be removed from my credit report as XXXX has negatively impacted my ability to obtain new credit. 
I have tried working with the company several times and even requested a goodwill letter for the sake of my credit, but even the goodwill letter request was denied, although I did nothing wrong as the account was paid off.

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 2023-01-13
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, we received our annual Escrow Statement from Mr. Cooper. It reflected a deficit of {$830.00} which resulted in an increase in monthly Escrow payments of {$91.00}. In turn, this would increase our monthly mortgage payment from {$1500.00} to {$1600.00}. 

However, at the time of this Escrow Statement, we were also behind by two monthly payments. On XX/XX/XXXX, we made those two monthly payments bringing our account to 100 % fully current. Our Escrow Account was then brought from a deficit of {$830.00} to a surplus of {$390.00}. Due to this being before the end of the year, we promptly requested, in writing, an Escrow Account recalculation from Mr. Cooper to reflect this change as now there wasn't a need for our monthly to increase as we were no longer in a large deficit but in a surplus. 

The Escrow Statement we received from them clearly states, " The shortage amount listed assumes there are no outstanding payments owed. If you have past due amounts, please sign in to your account at www.mrcooper.com for the correct amount. '' At that time when we were behind by two payments, this of course applied to us. When I logged into my account, the amount was exactly the same. Mr. Cooper literally is playing games at this point. Nowhere did it ever show an Escrow Balance projecting what my account would look like if my account were not behind payments, like this statement suggests. How is this legal? 

XX/XX/XXXX we receive a response from Mr. Cooper acknowledging us and stating they need more time. 

Today, XX/XX/XXXX, we receive a long response that is nothing short of pure stupidity. The beginning explains what an Escrow Account is and what causes a shortage as if I haven't had a mortgage and Escrow Account before. Really? 

However, it goes on with this : " Due to changes in tax and insurance premiums, Mr. Cooper completes an analysis each year to ensure that your escrow account is funded correctly and adjusts your monthly payment accordingly. Because your escrow account has less money than needed, there is a shortage of {$830.00}. Due to this shortage and changes in your taxes and insurance premiums, your monthly escrow payment will increase by {$91.00}. Your current escrow balance is {$390.00}. 

You may deposit the escrow shortage in full. Upon receipt of this deposit, your shortage and monthly payment will be adjusted accordingly. '' My Escrow account was - $ XXXX at the time of the analysis which resulted in this. Making my two monthly payments resulted in the surplus of {$390.00}. Whoever responded to my request literally took the information from my old Escrow Statement and combined it with my current balance without recalculation. 

So here I am, requesting once again that someone from Mr. Cooper recalculate our Escrow Account with the SURPLUS amount of {$390.00} and not the - $ XXXX it was on XX/XX/XXXX when we were behind two mortgage payments. The deficit of {$830.00} will no longer exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Experian Information Solutions 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:
Hello, I have tried multiple times with all 3 credit bureaus : XXXX, Experian and XXXX to have the bankruptcy removed. The information is inaccurate and somehow, the Consumer and Bankruptcy is not mine. They are refusing to remove it to the point where I dispute and the next day they are reporting back they are not going to work it. Just recently I received a letter from XXXX on XX/XX/XXXX stating that they removed it. 

When I called them to confirm, the young lady told me that I have to submit the information back to the credit bureaus for removal. I did that and the next day they replied it was staying and the case was closed. 

Can someone please remove this inaccurate information along with the Consumer Report on file. The only thing they did was correct the name and removed the wrong one and took off XXXX XXXX. I told them in the past and even had fraud alert on my account and they did nothing. 


Thank you

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 2022-12-15
Company: National Credit Systems,Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The apartment complex XXXX on XXXX has fraudulently added a debt on my report. I don't owe anything because I was XXXX XXXX ( XXXX ) assistance. I had zero rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: JPMORGAN CHASE & CO.
State: FL
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:
1. I contracted with a moving company ( XXXX XXXX XXXX  ) for moving services and charged two deposits for the move ( {$930.00} and {$200.00} ).

2. On the day of the move ( XX/XX/XXXX ), the moving company showed up and attempted to DOUBLE the cost of the move without approval, notice, or any agreement on our part. It was an attempt to extort money.

3. I refused to be taken advantage of by the moving company and cancelled the move.

4. I immediately ( that day in front of the moving company ) called Chase and asked Chase to stop payment of the deposit charges was engaging in deceptive and fraudulent practices.

5. We made a separate agreement with a moving company and proceeded forward with the move.

6. Written documentation ( XX/XX/XXXX ) was sent to Chase regarding the disputed charges.

7. Since that time ( over 3 years now ) Chase has continually responded that the charges were valid for two reasons : A. We did not cancel by giving the required 10 day notice.

B. The company provided Chase with a " bill of lading '' for the move 8. A. I do not believe it is reasonable to enforce a 10 day cancelation policy when the company attempted to double our charges on the day of the move. That is not a reasonable expectation or reason Chase should deny our claim to have the charges removed as requested on the day of the move. Chase was properly notified and no services were provided by XXXX.

B. The " bill of lading '' provided to Chase by XXXX was not a " bill of lading, '' it was a pre-move list of items to be moved ... clearly dated XX/XX/XXXX. The move did not occur until XX/XX/XXXX. This has been documented and sent to Chase over and over, yet Chase refuses to credit our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
15 usc 1681 604 ( 4 ) 2. In accordance with the written instructions of consumer to whom it relates. 15 usc 1681 602 ( a ) 4 .there is no need to insure that consumers reporting agency exercise there grave responsibility with fairness, impartiality and respect for consumers right to privacy. XXXX XXXX. XXXXXXXX XXXX XXXXXXXX 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 2019-08-05
Company: JPMORGAN CHASE & CO.
State: MD
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:
On XXXX XXXX, 2019, I processed a payment of {$530.00} for my credit card ( # XXXX ) balance. Forgetting that I had done this, on XXXX XXXX, 2019, I processed another payment of {$530.00}. Both payments were posted on XXXX XXXX, 2019, making my account going into the negative as a refund of {$530.00} was due to me from Chase. I called Chase and spoke to a representative. I explained to him that thus, has never happened before, as I normally get a system prompt that I am not able to process payment because there is a pending transaction. The representative explained that Chase will issue me a check in 7 for the overpayment amount of {$530.00}. I asked for an explanation for why the system allowed me to process a duplicate transaction, and pay against a XXXX balance. The representative informed me that they will send my account for review and see what went wrong. 

The following week, I was not able to use my chase card, as every time I used it, transactions were being denied. I called Chase on XXXX XXXX, 2019, and spoke with XXXX ( Account Supervisor ) from XXXX Arizona. He explained that my account went for review, and there were several transactions that were returned back in XXXX, 2019 ( XX/XX/XXXX, XXXX, and XXXX ) ; therefore, Chase decided to close my account on XX/XX/ 2019. I was very confused about this and explained to him that I already spoke to customer service in the past about this. I have been a long standing Chase customer for over 15 years, without a single delinquent and/or outstanding payments. I have two XXXX XXXX   accounts associated to my Chase credit card, and the payments in XXXX were being posted against the wrong account, which I was confused, and called XXXX XXXX to find out. 

After discovering they were going to the wrong account, I changed the payment account in Chase and paid my balance. The three returned payments were the same transaction, as I was attempting to pay my credit card balance. When I discovered why the payments were being returned, I was able to pay off my credit card balance from the right account, and on time without any late fees. Also, keep in mind that I monitor my credit with Chase and have an excellent credit score ( over 800 score ). My credit limit with Chase was also increase last year. 
Chase refuses to reopen my account. Due to the undue hardship, and this being my longest credit account that has been closed, which have impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: JPMORGAN CHASE & CO.
State: CA
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:
Dispute filed back in XXXX regarding a purchase that was returned to the merchant because the items were not as described. Poor quality, unwearable. When the dispute was opened, I provided tracking number and proof that the items were returned to the merchant and a store credit was issued. I did not intend to purchase anything again from the merchant and requested a refund. The merchant stopped responding and refused to issue a refund to my cc for items that were returned. So I opened a dispute with Chase credit card. Were are now 60 days into the dispute and Chase is still investigating the case. I was told so many different things over these 2 months, first they were saying that the merchant has 15 days to respond, then their account executive said it was 30 days. Today I received a message that I have to call them as they need more info. The claim representative wasnt sure what they needed because she could see the submitted documentation. She was unclear of what was going on with the case and why claims were reaching out. I said great, can we close this case now so I can get my money back? 
This representative responded that the merchant actually has not 15 days ( the initial timeline they gave me, and not 30 days ( timeline given by their Account Executive ) but 2 BILLING CYCLES. So which one is it? 
These people have no idea what they are doing, their staff is clearly untrained and incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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 60 days 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 .This 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 60days 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 21 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 XXXX XXXX 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 2023-10-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I hope this letter finds you well. I am writing to formally request the removal of outdated personal information from my credit report. I have noticed that my credit report contains old names, phone numbers, and addresses that are no longer relevant or accurate, and their presence on my credit report may lead to confusion or inaccuracies.

Below, I have outlined the outdated personal information that I would like to have removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PERSONAL STATEMENTS XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 
I believe that the presence of these outdated personal details is unnecessary and may lead to inaccuracies in my credit profile. Removing them will help ensure the accuracy and clarity of my credit report, which is essential for my financial well-being.

I kindly request that you initiate the process of removing the aforementioned outdated personal information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that the FCRA requires credit reporting agencies to maintain accurate and up-to-date consumer information. 

I appreciate your prompt attention to this matter and kindly request confirmation of the actions taken to remove the outdated personal information from my credit report within the timeframes specified by the FCRA.

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 2023-11-20
Company: Prince Parker & Associates
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive anything until this document on XX/XX/23 that was dated on XX/XX/23

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 2022-06-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There are incorrect address that have not lived at for XXXX yo or address I never lived at on credit reports. I have notified all 3 credit reporting agencies since last XX/XX/XXXX to update the information but is still incorrect from the last credit report i pulled on XX/XX/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