BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
On XX/XX/2022, I deposited a check of {$1000.00} in my chase account. After 3 days I checked my account and the funds wasnt available to use. I reached out to chase ( my bank ) to find out whats going on and I was told that, there was a hold on my account for verification purposes of the check. A week later, the funds was still unavailable to use. I reached out to chase again and I was told that they havent verified the check yet. 3 weeks later after talking to plenty of representatives with different stories, I was told my account had been closed. Chase told me that theyre not obligated to tell me why they close my account. They locked me out of my account and everything. During that time my, account was - {$270.00} but because I deposited the check, my remaining balance was {$680.00}. It is now XX/XX/2022 and chase is holding my funds. because chase is being negligent with the situation, I am unable to pay my light bills and some leftover rent I have to pay. I can not express the amount of stress this situation has caused me for me for the past 5 weeks and ongoing. I havent been able to find a resolution to this stressful issue. Ive talked to at least 20 representatives, from associates to supervisors. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus

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 2022-11-21
Company: EQUIFAX, INC.
State: CT
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/17 XXXX added hard inquiry from XXXX XXXX  to my credit Report as though I was applying for a refinance. XXXX XXXX  had no such permission, and I did not ask to refinance my house. I did not even initiate the phone call and the only thing I was asked about was a " soft inquiry ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: National Credit Adjusters, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received a letter from National Credit Adjusters XXXX in my former married name ). saying I owe money to XXXX XXXX. they bought debt that was XXXX in my bankruptcy over 7 years ago and are now trying to collect. When I called they wanted my social security number which I would not provide over the phone, even though I had the account number listed on the letter. this is an attempt to collect a debt I do not owe. this is the 4th time they have tried to do this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2022-11-21
Company: Experian Information Solutions Inc.
State: TX
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 an 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 2022-11-21
Company: Lockhart, Morris & Montgomery Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Lockhart , Morris & Mont is violating my rights under the no surprise act of 2022. I have one medical bill in the amount of {$1100.00} that an out of network provider is charging without my prior authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2021-07-26
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
hi Midlandmcm ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: FL
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
To Whom it May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/ I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. BANKRUPTCY XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2300.00}. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$520.00}. XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00}XXXX XXXX XXXX XXXX XXXX {$55000.00} XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX {$8700.00}. 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 2023-11-09
Company: EQUIFAX, INC.
State: FL
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-17
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Theres currently no bankruptcy record reporting on my XXXX XXXX Consumer Report, but theres a public record of bankruptcy XXXX  XXXX-discharged reporting on my XXXX XXXX XXXX Experian, and XXXX credit report. XXXX XXXX report public records and bankruptcies to XXXX XXXX, Experian, and XXXX credit bureau.

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 2023-07-06
Company: Dyck-O'Neal, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am writing to formally dispute the re-aging of a collection account on my credit report ( XXXXXXXX XXXX XXXX XXXX. The account in question is with Dyck O'Neal, and the account number is XXXX It has come to my attention that this account has been re-aged multiple times, which is illegal under the Fair Credit Reporting Act ( FCRA ), also the debt is more than 7 years old. The account was opened on XX/XX/XXXX and the date of last activity is XX/XX/XXXX. 
Under the FCRA, a collection account can only remain on a consumer 's credit report for seven years from the date of first delinquency. Re-aging an account is a direct violation of this rule, and I request that you investigate this matter immediately.

In accordance with the FCRA, I have the right to dispute inaccurate or outdated information on my credit report. As such, I kindly request that you remove this account from my credit report, as its presence is causing significant harm to my credit score and my ability to obtain credit.

Please find attached a copy of my credit report with the re-aged account highlighted for your reference. I also request that you provide me with written confirmation once this account has been removed from my credit report. Under the FCRA, a collection account can only remain on a consumer 's credit report for seven years from the date of first delinquency. Re-aging an account is a direct violation of this rule, and I request that you investigate this matter immediately. 
In accordance with the FCRA, I have the right to dispute inaccurate or outdated information on my credit report. As such, I kindly request that you remove this account from my credit report, as its presence is causing significant harm to my credit score and my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: CarMax, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an ongoing issue with Carmax Finance for about two years, according to the security Exchange consumers/investors have a right to rescind the security interest agreement, which i had signed by a notary public, and a chance to rebut all the laws and rules of the governing bodies of use of the commercial paper, they have not responded. I am doing the administrative process according to law and will take them in arbitration. They have been pooling the security selling it on the stock market and not giving me any of the proceeds, and in turn double dipping by sending me the T-Bills every month for me to pay, i have sent them the security with the correct procedure and stamp and they dishonored it. I will be complaining anout their indenture trustee because pursuant to the SEC the trustee are responsible to process the securities and XXXX the account, so they have violated and i will be happy to take legal action because they have to follow the rules. They did not return the security i sent or XXXX my account, so now i will file a 1099a, report them to all governing bodies, i am sure the United states and the SEC would like to know how they get away with the so called asset backedcommercial paper, this is security fraud according to the SEC, and i will be a whistleblower for SEC for 20 % compensation..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: TX
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : 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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX ( Acct XXXX XXXX XXXX and XXXX XXXX XXXX Acct # XXXX  ) are All closed accounts reporting on-going negative information after account closure. 
Siting Code 15-USC-1681a2 No written permission given. Also XXXX XXXX v XXXX I presume no alleged debt nor therefore any such debt in fact therefore exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to evaluate this account. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Kindly investigate the unverifiable account below : XXXX XXXX XXXX : {$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 2023-11-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifax ( 1 ) XXXX XXXX XXXX - XXXX XXXX, XXXX ( 2 ) XXXX XXXX XXXX  XX/XX/XXXX ( 1 ) Did not apply for a XXXX consumer product. Already have a XXXX XXXX card. Had it for years.

( 2 ) Never applied for any consumer product from XXXX XXXX. Bank rep stated that they have no application with my information on file. Refused to submit letter stating that fact because my data was never submitted to them. Equifax refuses to remove the erroneous hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Account Name : XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX : Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX In accordance with the Fair credit reporting Act The list of Accounts above has Violated my Federally protected consumer rights to privacy and confidentiality under U.S.C 1681! 5 U.S.C 1681 section 602 ( A ) States i have a right to Privacy 15 U.S.C 1681 section 604 ( A ) Section C it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 ( C ) ( A ) 5 States no consumer reporting agency may make any consumer report containing any of the following items of information any other then records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 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 non-monetary relief