BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-17
Company: JPMORGAN CHASE & CO.
State: CA
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 called Chase Auto Financing on XX/XX/2019, and requested a payment deferment ( which they call a payment extension ) of my XXXX payment. I asked about the deferment the month before and was given instructions on what to do and I was told month nine was the month I could request a deferment. When I called to request the deferment, I was told that I did not have to give a reason for why I wanted to obtain a deferment, but soon after that statement, I was immediately asked afterward what was the reason I wanted the deferment. Why say this and then ask anyway. I stated that I needed it for an emergency financial difficulty I was experiencing and that I also wanted time to refinance the car. I was immediately denied and told by XXXX, the rep and by XXXX the supervisor- ( XXXX ) I did not meet their qualifications. I asked what the qualifications were and I was told by the agent and a supervisor I spoke to that they could not tell me what the qualifications were. I asked why they were hiding the qualifications and not providing the customer with an explaination and was told again that they were denying my request and did not have to give me a reason. 
I received a letter from them dated XX/XX/2019, stating they reviewed my request for a payment extension, but unfortunately can not approve it because my inability to make full payments has not been demonstrated and no consumer credit report was used in evaluating my request. I have no idea what they are speaking of because I have paid every payment in full. I paid the last 2 or 3 payments late, but not over 30 days late, due to my emergency financial situation. I was trying to get back on track, which is why I asked for a payment deferment.

I have had many cars in my lifetime and I have been offered payment deferments without requesting one from several finance companies, without there being and emergency. They always let me know it was there if I ever needed it, even though I had not requested it. This situation does not sit well with me and I want to know why I was denied and what the qualifications are, because the reason they gave couldnt be further from the truth. I have also enclosed the letter that was mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: AL
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:
You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts, as per my request and my legal right.

The simple fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not, verify any of the disputed accounts. Your failure to delete the disputed accounts in question, that you can not verify after two written requests, is also evidence of your willful disregard of Federal Law.

Upon entering litigation, and through the discovery process, you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts, at the time of my request.

The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law, and the Court will order you to delete them. 

You say that you have reinvestigated, and/or verified these accounts, but in your inability to provide physical proof of the documents, you are and have admitted that all you have done is parroted information given to you by other sources, also known as creditors, and attempted to shift the burden back to me, and ask me to contact the original creditor to verify these accounts. This type of behavior and action is clearly in violation of 1681 ( a ) ( 4 ) of the FCRA.

In my previous formal request and correspondence, I asked you to give me the name of the person in your company who verified the accuracy of these accounts, but you also ignored this request, which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ), if you fail to comply with this Federal Law.

I will repeat myself, and state that I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

Account name Account number roadrunner XXXXXXXX XXXX XXXX INQUIRIES I DID NOT APPROVE XXXX XXXX XXXX XXXX XXXX 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 2023-02-15
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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX 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

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 2022-10-10
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:
On XX/XX/XXXX I submitted a credit dispute to Experian to investigate the XXXX XXXX error On my credit report. 
I was told it would take 30 days to investigate, I received a update response with no updated review to my credit report On the same day XX/XX/XXXX There Is no way a investigation could be completed within a XXXX hours time! 
XXXX and XXXX updated my credit file XX/XX/XXXX. Experian negligence is causing a negative impact on my credit score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: Dovenmuehle Mortgage, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to XXXX XXXX XXXX year I fell behind on XXXX XXXX XXXXDovenmuehle # XXXX. On XX/XX/22 I received a statement showing a balance Due of XXXX  on XX/XX/22 {XXXX was sent to my mortgage company. They were instructed to deduct the balance that was due and add the remaining to the principal balance. which was done however in the balance that was due XXXX was paid in interest I have been informed no late fees and interest fees would be charged if you had to defer your loan due to XXXX. The XXXX issue I have is, I have been paying my own insurance and Dovenmuehle has been charging me for insurance too. So I'm double billed for insurance. and mortgage insurance should have been removed already. When I requested for them to credit back all the fees they are charging me, I'm put on a long hold without a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I reported a fraudulent purchase of {$9600.00} on my fidelity visa credit card for XXXX  XXXX. On XX/XX/XXXX, the credit was reversed on my card. This is despite the fact that I have never received XXXX  XXXX and never agreed to pay this XXXX  XXXX  for anything ever. I have never requested the services of this plastic surgeon nor any XXXX XXXX for that matter. Likewise, I have never signed any agreement with this XXXX  to pay for any services in my life. I have never even been to this XXXX XXXX office but I am still being held liable for the charge.

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 monetary relief
Consumer complaint received 2019-10-17
Company: Experian Information Solutions Inc.
State: LA
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 CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2023-01-24
Company: EQUIFAX, INC.
State: PA
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 report Act. The list of accounts below has violated my federal privacy and confidentiality under 15 USC1681 This accounts are under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C . 1681 section 602a States I have the right to privacy 15 U.S.C. 1681 section 604a section 2 - It also states a consumer reporting can not furnish a account with out my written instructions 15 U.S.U. 1681c. ( a ) ( 5 ) section States no consumer reporting agency may make a consumer report containing any of the following items of information.Any other adverse items of information, other than records of conviction of a crime. Which antedates the report by more than 7 years 15 U.S.C 1681-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer report 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 2021-07-08
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021, I sent a notarized affidavit of truth along with a cease and desist, proof of violations and an invoice for those violations to Credit Collection Services. They received the documents on XX/XX/2021. The 30 day mark is quickly approaching and I have not received nor heard anything from Credit Collection Services on what they intend to do to provide remedy for the violations committed against me as a Consumer. They have violated my rights in multiple ways which I have sent proof of and I intend to bring legal action against them if remedy is not provided. I will take silence and failure to comply or respond as agreement to my terms. Pursuant to 15 USC 1692k ( a ) ( 2 ) ( A ), Credit Collection Services is liable for providing remedy for the violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Maury Cobb, Attorney at Law, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been a customer of XXXX for the last 15 years. Also, Since I move to another location the service has become poor. I have a complaint about it for the last two years, but the company couldn't fix the problem. Then, I stopped using the service in XX/XX/XXXX. They bill me the wrong amount which is a total of {$100.00} dollars. I did not agree with them. They send to a collection agency to collect the money. The collection agency called Maury COBB Attorney at Law threatened me to report to a credit bureau. Now, my credit score report is down by 70 points in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Well Fargo was my mortgage company for a few years back XXXX - XXXX Wells Fargo sold to another bank - I believe XXXX Mortgage. 

I was told by my XXXX Lawyer told that I have a second mortgage from Wells Fargo which I was not aware of ..... I just filed bankruptcy XXXX. 


I still have my tax documents from Wells Fargo XXXX. 

Don't know how it showed up, but it did. I know I did not put out a second mortgage especially for nothing, no cash advance or home improvement was made. 

Can someone please help me. 

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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have attached an FTC report with a collection and inquiries I did not authorize

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 2021-07-07
Company: EQUIFAX, 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:
Not mine; FCRA violation

XXXX  Account No.
XXXX
Original Creditor
11 XXXX XXXX  Derogatory
Original Balance
XXXX
Balance
XXXX
Date Opened
XX/XX/XXXX

XXXX XXXX XXXX XXXX TX XXXX  
XXXX  XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: CITIBANK, N.A.
State: MA
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 charged {$35000.00} for a cruise in XX/XX/2020 The cruise line XXXX cancelled the cruise in XXXX I disputed the charge Citi issued a conditional credit XXXX refunded the {$35000.00} to my Citi Bank Double Cash Card on XX/XX/2020 I requested a refund of the {$35000.00} either by check or deposit to my checking account Only XX/XX/XXXX, XXXX at XXXX, XX/XX/XXXX : replied " Expect to receive your refund check in the mail within 7-10 business days. you'll get a confirmation on email within 1-12 hours. 

Be rest assured Citi is with you. '' On XX/XX/XXXX they were still sending me messages saying the " credit balance is due to the conditional credit that we issued for an item ( s ) currently in a dispute status. " Also it was not in dispute status and they had the merchant credit On XX/XX/XXXX, Citi Said " Thank you for your patience! 
The dispute is successfully withdraw. I would like to inform you that, your last statement balance was {$280.00} and it got automatically deducted from the credit you have on the account. 
So I am going ahead and credit {$34000.00} to your checking account. You will receive the credit within 3-5 business days " This was followed by " I have process the credit balance refund. You will receive the fund within 3-5 business days, to your checking account.

Rest assured! '' Today I was told t would take another 7-10 days for them to review the refund request Basically, CitiBank is refusing to refund the money they owe me The billing dispute case ID was XXXX This should identify me to Citi

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 2023-04-27
Company: EQUIFAX, INC.
State: NH
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,, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: GA
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:
XXXX, Equifax and XXXX all have been inaccurately reporting inaccurate info on my credit reports from the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Several attempts to have them fix the have been made and collectively they all have replied similarly : " the info on your credit report is accurate and been verified ''. The fact that these XXXX companies along with the XXXX credit bureaus have reported inaccuracies for the past XXXX years has cost me and my family greatly and they have no shame about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I check my credit report every 30 days and i've noticed that there were XXXX unknown inquiries on my credit report XXXXXXXX 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 2023-02-24
Company: EQUIFAX, INC.
State: MO
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've sent in an FTC report for 4 fraudulent accounts that are still reporting on my Equifax violating FCRA. I'd showed proof that this information has been removed from other credit bureaus due to the inaccurate information. Equifax is not following the FCRA. They are highly incompetent as a Consumer reporting agency. They haven't responded to my first complaint # XXXX. Confirmation number : XXXX is the current dispute number as to which an investigation is taking place when I have never received an investigation report.

Under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

Company response to consumer: Closed with explanation