BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: Experian Information Solutions 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 have been sending letters to all XXXX, XXXX, and Experian to validate a XXXX  XXXX XXXX debt they claim is mine. I have went through an Administrative Process with XXXX  XXXX XXXX to see if they can bring forth original, signed documentation, but they have not done so. I am nervous that these credit agencies are just using the XXXX system to validate the debt, which I never gave consent to.

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 2021-05-15
Company: JPMORGAN CHASE & CO.
State: IA
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 recently obtained my credit report. I was shocked to find four Chase credit card accounts totaling $ XXXX filed against my credit report. I filed a dispute with the various credit reporting agencies. Chase removed three of the four credit card accounts as they were fraudulent but is claiming the fourth account ( JPMCB Card XXXX ) is not fraudulent stating that, we have a signed application and/or signed credit card disclosure on file for this account. Chase refused to provide me with a copy of the signed application or copy of the billing statements for the account. When I called, Chase was unable to provide me with the address that the account was billed to. Once again, this in the context of three other JPMCB credit card accounts that were fraudulent. Instead, Chase keeps wanting me to settle the account ten cents on the dollar in effect to take responsibility for purchases on the account that I have no knowledge of nor performed. 

As such, I am requesting that this account be removed from my credit report. In the alternative, if Chase wants to provide me with a copy of the signed credit application as well as the statements, then I will review to provide further evidence to Chase that this account is fraudulent. As documented in my prior communications, I have been the extensive victim of identify theft which has been reported to numerous agencies. 

Thank you, XXXX XXXX, MD PhD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I HAVE A MAJOR CONCERN GOING ON WITH ( WESTLAKE FINANCIAL SERVICES ) MY BILL DATES AS STATE AND LIST EVERY TWO WEEKS. FOR THE LAST 95 DAYS I HAVE ASK SOME AGENTS THAT WORK FOR WESTLAKE FINANCIAL SERVICES COULD THE FIX THE ACH BANKING ISSUES. I WAS TOLD KNOW ON EVERY OCCASION. THE AGENT THAT I SPOKE WITH TODAY SHE SAID ITS HER DUTY AND JOB TO MISLEAD CUSTOMERS AND TAKE EXTRA MONEY FROM CUSTOMERS SINCE THE DON'T LIKE WAITING 17 DAY UNTIL THE ACH IS TAKEN FROM A CUSTOMERS ACCOUNT. I KNOW NORMAL BANK ACH STANDARD ARE 3 DAYS. ON WESTLAKE FINANCIAL SERVICES WEBSITE STATE ( 24 HOUR ) ACH PAYMENT PROCESS THATS A BIG LIE. FOR 95 DAYS I BEEN HAVING THESE ISSUES AND CUSTOMERS SERVICES AGENT TELL ME THEY DONT CARE NOR DO THEY LIKE TO DO THERE JOB ETHICAL CORRECT.. THE AGENT I SPEAK WITH SAID WE CAN TELL CUSTOMERS AND THE XXXX AND THE CFPB CAN'T DO NOTHING TO US AT ALL. I HAVE SPKEN WITH 15 DIFFERENT AGENT AND THEY SAY THEY ARE ABOVE THE LAW..

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 2021-11-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a USAA VISA credit card because my dad was a XXXX XXXX veteran ( now XXXX and I am an XXXX ). It had a good credit limit that I could use in emergencies, like purchasing an airline ticket... but since my military veteran XXXX died, USAA dropped me because I am not in the military -- but reinstated me when I reminded them I am still a son of a military veteran. Interestingly, just like previous years when my military veteran XXXX was alive, I didn't use the card ( but kept it for emergencies ), USAA killed my credit limit to a measly {$500.00} and refuse to raise it ... claiming the credit card bureaus are giving them a very poor rating ( outright lie, see attachment ). I am retired, but currently have over an XXXX credit score by all XXXX bureaus, and have over a XXXX dollar net worth. All bills paid on time without exception. My retirement withdrawals from XXXX was reported to the XXXX to have over {$100000.00} income. USAA has XXXX reason to not increase the credit limit to where it was prior to my military veteran dad XXXX  As it is, I might be able to buy gasoline, but hardly anything more because of the extremely small credit limit. Ever since my military dad  died, USAA has been trying to get rid of me ( discrimination ). USAA refuses to tell me over the recorded telephone as to what the credit bureaus supposedly reported, but said they are sending me a letter stating the reason for their discrimination because I have perfect credit reports from all three bureaus. XXXX XXXX puts me at the XXXX score!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Flatonia Investments, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I do not believe my payments are being applied appropriately. We consistently send two payments each month, one for 60 % ( {$780.00} ) of the amount due and one for 40 % ( {$520.00} ) of the amount due. The current balance does not line up with the amortization table, and there are several payments and payment reversals for amounts that don't match our payments ( eg. {$1700.00} ). The servicer says this is because payments are going into a holding account since they are partial, which makes sense for the payments that are less than the full amount. However, I can't see how this would cause them to add payments to the account that are more than the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Not my accounts XXXX XXXX XXXXXXXX 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 2019-06-29
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I applied for a credit card at XXXX clothing store several years ago and never received any follow up information about it so since that time Ive just assumed that I was never approved at XXXX. Ive recently checked my credit score and saw that I do have an active XXXX credit card of which I dont know any information on because I didnt know I had one. Ive called XXXX to try and get that card canceled and they say that I dont have one. Im not understanding why it would show on my credit score as an active credit card with a {$250.00} limit that I own when I dont have one and the company says I dont have one. It is hindering my credit though to have an open credit card that Im not using and I would like for it to be removed. How can i do this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi I did a claim they denied it within less then XXXX hrs I lost my card an it was charged for XXXX it was less then XXXX hrs an they denied it which is why I'm contacting you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
AUD # XXXX The reports need to be updated to the correct status and information for all credit XXXX bank accounts. Please update the status as I and the creditor have asked you to multiple times now. The balances are {$0.00}

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-31
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX and account # XXXX, Account name : XXXX XXXX  and account # XXXX, Account name : XXXX and account # XXXX, Account name : XXXX XXXX  and 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-17
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-05-16
Company: EQUIFAX, 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:
I have disputed these accounts, filed a police report, and submitted an FTC complaint in reference to my case. I recently attempted to order cable last month and was denied and told I would need a deposit if I wanted to move forward as a result of my credit rating. Upon reviewing my credit report in XX/XX/XXXX, I noticed 7 separate fraudulent accounts ranging from credit accounts to utility bills. I have been successful in removing 3 items myself, but there are 4 accounts that still show up on my report that do not belong to me. The accounts in question are as follow : XXXX  XXXX account # XXXX, date opened : XX/XX/XXXX open balance : {$3100.00} ; XXXX XXXX account # XXXX, date opened : XX/XX/XXXX, open balance : {$290.00} ; XXXX. XXXX, XXXX account # : XXXXXXX, date opened : XX/XX/XXXX, open balance : {$200.00} ; XXXX XXXX XXXX account # : XXXXXXXXX, date opened : XX/XX/XXXX, open balance : {$270.00}. Clearly these accounts are all over the place, nowhere in my real credit file do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of the companies listed. Nor have I allowed anyone to use my information to acquire credit with these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be removed from my credit report. I have acquired a police report and submitted it with this complaint. I have also included a copy of my ID, social security card and an FTC affidavit as required in F.C.R.A Section 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX is the company her mortgage is at. 

I have sent documents proving I have the right to speak on behalf of her estate. They will not accept any of the documents signed by the judge and my letter of administration. 

Around the first week of XXXX : I called and was told to email Death Cert, Letter of Administration, and signed copy of the judge 's orders. Those documents were sent to XXXX Around XX/XX/XXXX : I called to see if the email was received. After 30 min on the phone, they confirmed the documents had been received but then said this was not how the process worked and they would have to send out a packet to fill out and return. 

Today : I called today and the firs agant I was speaking with ended up transferring me to XXXX XXXX She kept talking about how I needed to prove I had an ownership interest in the house and that the administrator needed to give him permission to speak about the loan. At this point, I explained for the umpteenth time that I am the administrator/executor. I told her that every time we call we get a different story and we are about ready to file a complaint with the Consumer Financial Protection Bureau. At this point, she offered to email a copy of the letter that was sent over ( they claimed in the past they could not email the information ). Her ID was XXXX XXXX XX/XX/2021 - Called and was transferred 3 times. Was transferred to an escalation specialist. Our conversation went like this : Agant ID XXXX  Was transferred a few times and the last person said " A specialist will call within one business day. I asked for her title, she said " Escalation specialist '' I asked for the name of the person who was supposed to call back she said " I can not disclose that information '' I asked for the department of the person who was supposed to call XXXX back and she said " I can not disclose that information '' I asked other questions. Every question I asked I got the same response. 


She stated it could take 60 days before this is processed. G

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: TX
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: LA
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:
Last month XX/XX/2023, I sent you a dispute letter containing the list of accounts and items that don't belong to me but you seem to be ignoring the letters I sent you. What you sent me is this XXXX response stating it wasn't me who sent you the letter and you people are just wasting time! I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if I don't get a proper response which is what I'm doing right now

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 2022-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been contacting this company since I pulled my credit report and notice this company was reporting a debt that I was not aware of. When I noticed it on my report I immediately reached out to the company to see what this account was and if it belongs to me. The only thing I received was a bill for {$460.00} telling me to pay. I'm not paying this bill unless this company can provide me the contract they have to show this is my debt and it belongs to me. I've never received a bill from this company until now when I noticed it on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have received on my credit report, Sequium Asset Solutions, has charged me {$950.00} for an XXXX XXXX XXXX bill. I have contacted XXXX XXXX XXXX  and they can not pull anything up when I have given them my information. I have looked online and the company is a scam and they have done this various times. I am disputing the charge from my credit report.

Company response to consumer: Closed with explanation