BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
Company: JPMORGAN CHASE & CO.
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against JPMCB XXXX located in XXXX XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, JPMCB XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted TransUnion via certified mail on XXXX and XXXXto conduct a reinvestigation of unfair, unverified, false reporting accounts. TransUnion job is to investigate and correct any issues that have been placed as a concern by the consumer. I am the only person who can verify a debt because it would have been me who would have open any account. TransUnion is a for-profit company and not or has anything to with being a bureau. They are not any type of government agency and they work on behalf of the consumer. By federal law in which I am a federally protected consumer I expect my rights to be upheld as such. The same data furnisher reported the same information yet all my information on my credit report is incorrectly reported. Their job is to report accurately and by law if they are not they have to remove any incorrect data immediately. All accounts must report accurately with the same data on each credit consumer credit report. attached is proof that these accounts are not. I have also attached where XXXX have deleted all these accounts from my consumer report because of these same inaccuracies.

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 2023-11-19
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 am writing to address the ongoing issue concerning inaccurate information within my credit file, specifically related to accounts associated with your company. This matter is of great concern to me, and despite my previous attempts to rectify it, the situation has not been resolved satisfactorily. 

I have sent a total of six previous letters to your company, all via certified mail. Please find the attached receipts for the certified mail with the following tracking numbers : XXXX, XXXX, and XXXX. These receipts confirm the delivery of my requests for the removal of inaccurate information from my credit file.

I would like to draw your attention to 15 U.S. Code 1681c2, which states that it is a crime to threaten a lawsuit with no intention of pursuing it. Rest assured, my intention is sincere, and I am prepared to take legal action if necessary.

Despite my previous efforts, your company has failed to conduct a proper investigation into the inaccuracies on my credit report, as required by the Fair Credit Reporting Act. My previous letters clearly outlined the reasons for my dispute, and these concerns are far from frivolous. 

This final request serves as a last opportunity for your company to rectify this matter. I expect a thorough investigation into the accounts in question, and I request that you provide me with documented proof of this investigation. Failure to comply will leave me with no choice but to file a civil suit in my county for damages.

I take the accuracy of my credit report seriously, and the lack of professionalism and assistance from your company has been deeply disappointing. I am well aware of my rights under the Fair Credit Reporting Act, and I am prepared to pursue them to the fullest extent of the law. 

I anticipate your prompt response and the resolution of this matter. If I do not receive a satisfactory reply within 30 days, I will have no choice but to pursue legal action.

Company response to consumer: In progress
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: CA
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:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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 XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XX/XX/XXXX ; XXXX TXXXX 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 2021-10-15
Company: U.S. Auto Sales Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a XXXX XXXX XXXX  from US AUTO SALES in XXXX, GA in XXXX XXXX. The car began having issues in late XXXX XX/XX/XXXX and eventually broke down & left me stranded at work. Long story short, I have made MULTIPLE attempts to speak with someone in management or even in Service/Claims dept about the constant issues and to see if they would try and help make the situation right, but I have yet to speak with anyone. The car is a complete LEMON. I've made the same repair once already, and it's now having other issues to the point that I haven't been able to drive the vehicle since XX/XX/XXXX, and the car has been towed 3 times. It's been sitting in a family member 's driveway for over a month. I've made MULTIPLE attempts to contact ANYONE at US AUTO SALES that can get me a solution, but I can't get anyone to speak to me ( except for the customer service people, and all they can do is handle payments & transfer me to the Service department, which never answers the phone. ) I have been dealing with this for over 2 months now, and nothing has been done. I refuse to make any further payments on the vehicle, when it's been completely inoperable for over 2 months, and US AUTO SALES has done absolutely NOTHING to assist me in this nightmare. I have gotten 2 mechanics ' opinions on what the issue is, and after doing plenty of research, I've learned that this particular year/make/model car has A LOT of known mechanical issues. The # 1 reported issue is engine & transmission issues. The car was only 2 years old when I bought it. I hadn't even had it for a whole year yet, when the car broke down. Trying to speak with anyone besides Customer Service ( who can't do what I need done ) is IMPOSSIBLE, and completely ridiculous. They have been the absolute worst business I've ever had the dis-pleasure of dealing with, and I've never filed a formal complaint on any business EVER. In addition to this complaint, I've also filed complaints with the XXXX  and Georgia Department of Used Motor Vehicles.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/23, an employee of Chime Bank instructed and directed me to transfer {$1200.00} from my checking account into an administrative account. XXXX days later, requested that the transfer be cancelled and the money be refunded to my checking account. The same employee told me that I had to purchase an XXXX gift card to use as an activation key. I did not have the funds available to do that. In XX/XX/23, the same employee told me Chime would compensate me {$60.00} plus the {$1.00} in cash but I would have to claim it in person in California. I told him I have no car and Im unable to travel.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: GA
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:
Im submitting 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/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: WI
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 XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2023-04-14
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XXXX XXXX, my agency sent Navient a check in the amount of {$8000.00}. When I checked my Navient account the payment due was XXXX. However, every month the balance was increasing and not decreasing. I reached out to a customer service person and she advised me not to make any payments because Navient was taking out the monthly payment from the payment that my agency sent them. I was even making additional payments in the amount of {$130.00} bi-weekly. I was told if I make the payment, then Navient wouldn't pay the monthly payment. The lump sum amount will sit there. I still wasn't understanding the just of what was going on. I called again and spoke with another customer agent, she told me to continue to make payments on the remaining balance to pay the balance off quicker. And now, the interest has increased from 10 % to 11 % after I paid them {$500.00}. This private loan is over 15 years old. I need your HELP!! I believe Navient is trying to prolong this loan for their benefit. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: MI
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:
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 U.S.C 1681 section 602 A. States I have a 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 7 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. 
XXXX XXXX acct # XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TrueAccord Corp.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TrueAccord account number is : XXXX ... XX/XX/2023, i sent dispute letter to trueaccord, and on XX/XX/XXXX trueaccord acknowledge via email that they receive my dispute letter via email. and I also mailed a physical letter to them as well. After submitted my letter, Trueaccord continue to send me 10 email 's without sending me the proper debt validation pursuant 15 USC 1692g & 1006.34 Notice for validation of debts. Dates of email 's after my dispute are : XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX, XXXX, XXXX, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: In progress
Consumer complaint received 2023-07-26
Company: Nelnet, Inc.
State: TN
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:
Financial Institutions have a responsibility to report accurate information. Nelnet INC being a transfer agent, a fiscal agent of the United States, and a company registered with the Securities Exchange Commission ; has and responsibility to its investors. Nelnet INC has refused to credit my accounts with the dividends payments they are stealing each month. Nelnet INC has been given multiple securities and notice to credit it to my account according to the Securities Exchange Act. Nelnet INC instead tried to Coerced payment by threatening to report bad information on my consumer report. Nelnet INC was given a written letter from me in accords with Regulation P of the Federal Code of Regulation. After receiving my Opt-Out notice Nelnet INC continues to report this false information on my account. I will attempt to Opt-Out again ; I hereby Opt-Out of any consent assumed or presumed by Nelnet INC to report any of my nonpublic private financial information to 3rd parties. If this is not corrected within 15 days I will making a formal complaint with the SEC against Nelnet INC ; I will also be filling Treasury Form 211 to have the account audited. An Identity Theft report has already been filled and rejected by Nelnet INC. Nelnet has violated multiple Federal Laws some of which are in the attached Memorandum of Laws titled " Consumer Laws. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Experian Information Solutions Inc.
State: CA
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:
Experian is reporting the XXXX XXXX XXXX as on time in XXXX and XX/XX/XXXX, then in XX/XX/XXXX they are reporting a 30 day late, then XX/XX/XXXX, a 60 day late and XX/XX/XXXX another 60 day late. You can't go from 60 day late to 60 day late. I contacted Experian regarding the inaccurate information in XX/XX/XXXX and then in XX/XX/XXXX and asked them to explain how I can have 60 day late back to back and still no response. I have asked Experian as they are required to report on accurate information on my credit report.

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the Fair Credit act the list of accounts below violate my federally protected consumer rights. 
XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602A stated that I have the right to privacy 15 U.S C 1681 section 604A Section 2 states that if a consumer reporting agency can not furnish a account without my written instruction.

15 USC section 1681 a5 states that no consumer agency reporting my report any adverse items shall not report on my credit report for more seven years.

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