BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
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: Account information incorrect

Complaint:
I kindly request that you conduct a thorough investigation into the matter and, upon verification, promptly remove these inaccurately reported business credit card accounts from my personal credit report. Furthermore, I ask that you provide written confirmation of their removal and update my credit report accordingly. I am aware of the legal rights and protections afforded to consumers under the FCRA and ECOA. I hope for a timely resolution of this matter and anticipate that you will take appropriate steps to rectify this situation as required by law. 


XXXX  XXXX Date openeed, No. of months ( terms ), last reported date, and date of payment are all inaccurate or incorrectly reported information to all XXXX major credit bureaus. 

I have disputed this account XXXX times, and the credit bureaus claim that the information was verified, which is far from the truth. I want this account deleted from my reports because this is a clear violation of 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 2023-12-09
Company: JPMORGAN CHASE & CO.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
On Wednesday XX/XX/2023, at approximately XXXXXXXX XXXX I recieved a cashier 's check in the amount of XXXX From the bank teller at the JP Morgan Chase Bank, located on XXXX XXXX XXXX XXXXXXXX wi. I have presented the cashiers check to several chase bank branch managers including the branch that issued the cashiers check to me and they have informed me that they will not cash it unless it is deposited. Depositing the Check is not an option for me at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: DISCOVER BANK
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Few weeks ago, I reported an issue with Discover Credit Card about some miscommunication and misunderstanding via a platform of a third-part institution. Then, they sent me a letter with information of a person I didn't know, including personcal identification information and his/her busness information. So, I suspect that they sent my information to somebody else. I tried to call them, but no one pick up the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-19
Company: United PanAm Financial Corp.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I signed a contract with XXXX XX/XX/XXXX and united auto credit would not fund the loan until XXXX the XXXX so I got my car XX/XX/XXXX from from they would not release without fund they added on a payment for XX/XX/XXXX and are trying to strong arm the consumer out of money I haven't had my car a month yet and still don't have hard plates but they want a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX or XXXX, I received a direct message via XXXX from a supposed painter. They had mentioned that they wanted to use a specific picture I had posted to make a painting. Since I had no problem with it, I had agreed. XXXX, the painters name, had said she was required to send me money because of protocol. I had sent her basic information to contact me to go further. When the client ( who was paying for the painting ), XXXX XXXX, had messaged me, he sent XXXX back to back checks to deposit via email. When I deposited both checks, they were placed on hold. Chase had said the check amount would be available a week after the check was deposited. Messaging the client, he had said that was fine and normal. Later, XX/XX/XXXX, Chase emailed saying I had insufficient funds due to the check removing {$500.00} instead of adding. When I brought this up to XXXX, he had the - {$500.00} removed some how. After this happened with the XXXX check, he had mentioned to deposit another XXXX to get the pairing project started. The same issue kept happening. Therefore I had called Chase to remove the most recent checks on XX/XX/XXXX, because I would not have cell service that weekend and I was frustrated dealing with the same issue despite the clientele changing etc. The representative had mentioned that out of the XXXX checks I deposited the first one would be removed and when the second one goes through, they made a note to remove it. I was not made aware of any fraud or fraudulent activity in my account by Chase, I only received letters stating the checks were removed from my account. On XX/XX/XXXX, I had attempted to make a payment at XXXX XXXX, however, it said not authorized. When I called my bank about my account, they said that my account is closed due to fraud and nothing can be done. I asked if there was anything I can do or resolve, but the representative said I couldnt and I could not open another account at Chase. In search of a new bank account due to this because my job needs to deposit money in my account, I went to XXXX XXXX ; however, the banker said my name/SS is not passing the background check. Chase did not mention any of this to me prior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Affirm Holdings, Inc
State: MA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The loan Company ( Affirm ) sided with the merchant claiming that the company followed all of their return policies. Therefore, out of XXXX, I am responsible for the portion of the loan that the merchant deemed to be restocking fee on the entire loan which included shipping, warranty, & etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: SC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my 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 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 explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The hard inquiries listed below are items currently within my credit file, and none of these are related applications made by me. It is my official statement that someone and/or several people have applied to these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( XXXX ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these inquiries are fraudulent, and they have known this for several months, but have yet to remove these inquiries from my credit reports. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

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 2023-12-05
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I obtain a vechile and credit acceptance was the finance company. I came upon hard times and car was reprossed I spoke with company who was selling the car to XXXX XXXX auction and I could pay the reprossession fee and fee at the auction to get the car. I did just that and got the car to get pulled over and was told that car was no longer within my name so I called Credit Acceptance who sent me all the information I needed to get the car back in my name and then came a repossessed the car with no knowledge of the car was and would not response to my request of knowing where the car was located and then I got told they took car back and since it was out of my name and gone was not my responsibility. Now in XXXX  they sent me information stating they were going to garnish my check but no follow up date on the court date then in XX/XX/2023 I got my check and found out they are taking XXXX every XXXX weeks equaling almost {$600.00} out of my check affecting my income. I went to get another car and now I am running into issues because of their false information and is now affecting more than it should placing me in hardships.

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX/XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX Owed : {$5000.00} ; XXXX  XXXX Balance XXXX XXXX {$3900.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$200.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-05-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 
Amount : {$100.00} Date : XX/XX/XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, has violated my rights. 
Amount : {$490.00} Date : XX/XX/XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Regions Financial Corporation/Regions Bank of XXXX XXXX XXXX will not close my business Visa credit card account. The balance due on the business Visa card has been {$0.00} for months. Regions Bank telephone employee verbally told me I had to travel to a Regions Bank or write a letter on business letter head and mail it to : Regions Bank Credit Card Support, XXXX XXXX XXXX, XXXX, AL XXXX. I was told the mailing address.The body of the business letter included the credit card number, account number, number on the back, name, address. This was mailed on XX/XX/2023. On XX/XX/2023 I received, via U.S.mail, an envelope from Regions Bank containing a new business credit card. On XX/XX/2023 I called Regions Bank and the telephone employee informed me I had to either travel to a Regions Bank or write a letter on business letter head with all the information described above and mail it to Regions Bank. I informed the telephone employee that was done on XX/XX/2023. The employee offered no further assistance. On XX/XX/2023 I called Region Bank again to confirm information before submitting this complaint. This time I was told I had to find a Fax machine and Fax the letter and I was not supposed to mail the letter. Please tell Regions Bank to cancel my business credit card account.I do not wish to play anymore games with Regions Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Professional Collection Service Inc (GA)
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This problem with this company has been going on for quite a while with professional collection company in XXXX, Ga. i was forced to sign an agreement with the previous company XXXX XXXX. I was told back in XX/XX/2012 i could have my wages garnished or if i dont pay itll hurt my credit. The company tried to accuse me of breaking stuff in the apartment that they knew was already broken and things i took pictures of. The company wouldnt come fix the door locks until after i called several times and i stayed by myself. The duplex flooded from the dishwater not turning off and the heater in the duplex smelled as if it was burning when i turned it on and someone tried to break in through the back door that needed fixing. XXXX XXXX agreed that they would lower the balance after i told them how i was treated and my horrible experience. XXXX XXXX XXXX said they wont change the balance from {$1300.00} to {$1000.00} until i pay for it. They have NOT SENT/provided any documentation about the debt being mine. The debt is not mine considering the horrible service they put me through and the fact i was told that i could leave the duplex after giving ample time to fix problems. I dont owe professional collection due to the fact the debt was sold, its false and they havent provided documentation after Ive filed SEVERAL disputes. This is preventing my daughter and i from moving. We will be homeless if this is not removed. Not to mention Ive contacted this company over the last 4 1/2 Years trying to get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: NV
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:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing please help me delete these illegal account6 from my credit report. 



Account need to be deleted XXXXXXXX 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 explanation
Consumer complaint received 2023-12-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After moving half way across country and changing my address with USPS, toyota decided to stop sending me bills completely, to either my previous or my current address. 

They put a derogatory mark on my credit report while they NEVER sent out any bills, NEVER tried contacting me, NEVER emailed me about a late bill while constantly bombarding my email inbox with promotional emails. 

Thes

e 2 payments were the last payments for the car, and since we didnt get any contact from toyota , we were expecting our title and lien since we thought we paid it off. Nothing. I have called them multiple times to remove this rem
ark on my report as i paid immediately after we realize toyotas error. This is their process error, yet they keep telling me our system says we called and sent mail, too bad. DID NOT GET ANYTHING, just DEFLECTIVE ANSWERS and EXCUSES.

Is this fair for the corporation to keep pinning their process problems and human errors on their consumer? We want physical bill for a reason so we can pay on time instead of relying on a system that have failed us before, and likely have failed a lot of toyota customers from what i have read. 

During the phone call, they keep diverting responsibilities. They keep saying their documentation says otherwise, which is false. 

I am also hoping that this isnt a XXXX discrimination thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX : XX/XX/XXXX todays date : XX/XX/XXXX RE : Investigation Request to Delete fraudulent account To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX. { Creditor Name } XXXXXXXX XXXX  ( XXXX XXXX XXXX  ) { ac # } XXXX { Reason for Dispute } fraudulent/ not my account or debt INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX universi { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX universi { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX  XXXX { inquiry date } XX/XX/XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, 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 2023-12-08
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian again closes another complaint without addressing the issue and once again give an XXXX explanation that has absolutely nothing to do with the problem which is Experian NOW has stolen 18 months of on time never late payments to XXXX and refuse to give them back

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