BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
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: Credit inquiries on your report that you don't recognize

Complaint:
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
In XX/XX/2023 I was called by Mr cooper loan 's in regards to my loan payment status. I normally pay it on the XXXX of every month since I don't get paid on the first of the month and it can be somewhere within the first week or so when I do get paid. I do not have direct deposit so when I get paid it takes a day or two for the funds to become available. During this call they said it was their new policy to call you if you don't pay it by the XXXX of the month. I have a grace period until the XXXX and after the XXXX I get a late fee. I feel as this is standard. I asked if there was any way I didn't have to be called and told the story and I was told no, there was nothing I could do. I have never made a payment after the XXXX and never missed a payment in over a year and a half. During the first call I was asked if I was planning on buying another home or moving because I had " perfect payment history ''. This month I was called again. On XX/XX/2023 I missed the call that they sent and they left an automated voicemail asking if I was who has the loan and to press 1 for yes and 2 for no. The next day ( XX/XX/2023 ) i got another call that also went to voicemail because I was busy with my wedding that day. It was the XXXX so I knew I was paying it that day. I paid the monthly payment and then called back the number that was listed on the voicemail. Upon calling the number and entering the verification number that was in the voicemail I was notified that I was delinquent on my payment and that I had XXXX hours to clear it up. It then asked if I had paid it already or not. Next automated statement asked how much I paid. The whole time the system said in the call and in the voicemail that it was Mr. Cooper and that they are a debt collection company. It came up on my phone as Mr. Cooper loans. I think it is very predatory to do this when you have a grace period and tell whoever that they need to pay or else. This is not right especially since my loan was bought out from my other lender. I didn't go searching for this company and I didn't have a say in if my loan was sold or not. Based off the reviews online this is not the first time the loan holders have been taken advantage of by Mr. Cooper/ Nationstar. I shouldn't feel like I'm a criminal and a terrible loan holder for using the grace period that every other loan company gives. I am thinking about getting lawyers involved due to the predatory tactics and harrassment. I feel as if I am stuck with where the interest rates are now. I have a mid two percent interest rate and I could not get that anywhere else

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: FL
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:
This account is reporting late reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify from themselves, but they failed to neither verify nor update me about these complaints. Please update the late payments from this account. XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: NJ
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:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2022-04-08
Company: Experian Information Solutions Inc.
State: FL
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:
Theres a fraudulent account named : XXXX XXXX showing on my credit report and its affecting me to buy a home

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 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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 ( fraudulent and currently in dispute ) ; XXXX : # XXXX XXXX XXXX XXXX  XXXX  : # XXXX ; XXXX XXXX : Charged off as bad debt/Profit and loss write-off yet sold my information to a collection agency that is currently suing me.

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 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.

15 U.S. Code 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2021-05-19
Company: Earm LLC
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX from MAC says my name has been brought up in a legal case and if I dont pay I will be in jail within 48 hours. The name he is using is my madden name I have not had for 8 years! 

This person is calling lots of family that I associate with!

Company response to consumer: Untimely response
Consumer complaint received 2022-12-18
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:
My XXXX XXXX bankruptcy should be removed according to federal law from all credit reporting agencies XXXX XXXX XXXX XXXX, and transunion. Also per federal as they should be removed after 7 years. You can file for bankruptcy twice in within a year and also reported this lexis nexus XXXX XXXX and Transunion. I would like them removed or i will take legal action.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX / XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

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: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Identity theft occured with serveral accounts that are listed on my credit report! 
All listed fraudulent accounts were sent to each credit reporting agency. It is a violation of my Privacy Act and against the law for someone to use my personal information to commit fraud. 
Police report is available to substantiate claim with an arrest and person charged and taken into custody! 
REMOVE ALL ITEMS LISTED TO CREDIT REPORTING AGENCIES

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 2020-12-29
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked this company HP seats debt collection agency to stop calling my phone several times however they continue to call.from.different number with different areas codes and even using robot calls and real live agents

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 bought a XXXX XXXX XXXXXXXX from XXXX on XX/XX/XXXX. I realized when I got this that this was not the one I wanted and so I organized to return it via XXXX pick up. I generated the returned through the XXXX app and returned the item via XXXX pick up at my home on XX/XX/XXXX. After several weeks, I contacted XXXX concerning my refund and was told I would have to wait a certain amount of time for the warehouse to receive the item. XXXX never scanned the item upon pick up so the tracking information never updated. After countless back-and-forth between XXXX and myself they continue to tell me I needed to wait months for my refund. I decided to then dispute this with my credit card company. ( Bank of America ). I let my bank know that I had the receipt from the XXXX driver when he picked it up at my house on XX/XX/XXXX. I provided all information to both XXXX and my bank concerning my return. After several months, the dispute with my bank was overturned in XXXX favor. I reached back out to XXXX and was told they needed to contact their chargeback department which I did through email. My bank told me in the letter that the reason why the dispute was overturned in XXXX favor is because they brought forth documentation saying that I received the item. This was not what I was disputing because I received the item on XX/XX/XXXX, however, I returned it via the XXXX apps instructions for XXXX pick up on XX/XX/XXXX. I don't know why Bank of America decided this in XXXX 's favor because they claim I received the item and didn't even acknowledge the real reason I was disputing this case, and it was due to the return of the item. I still have the receipt from the XXXX pick up and I want my refund of {$160.00} from XXXX. They continue to tell me I need to contact my bank and I am not getting any assistance from my bank on reopening the claim. I even filed a claim with XXXX under the tracking number. The tracking number for the XXXX pick up that I sent back is XXXX XXXX XXXX XXXX XXXX XXXX. I have opened a claim under this tracking number for my return and have got no resolve.

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 2019-04-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX Visa XXXX Balance:XXXX XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX Visa XXXX XXXX Balance:XXXX I went to the XXXX XXXX  XXXX business hall and talked to the customer service manager. I called the service staff of the XXXX   XXXX XXXX security department to ask why closed my two credit card accounts and told them that the reports of the credit companies they had received were incorrect. My XXXX XXXX credit card has been stolen and has been disputed with credit companies and banks. The debt does not belong to me. 
1Amount of arrears to hight 2 : Automatic Payment and Refund 3Excessive debt arrears For these Three reasons, I refused to open my credit card account again. 
I paid off my debts on time. I was the XXXX XXXX XXXX of a high-end restaurant. I paid in full cash to buy a house worth XXXX XXXX.My house has a net worth of {$2.00} XXXX and a total of {$8000.00} in arrears. 

It's hard for me to understand the wrong judgment of XXXX XXXX XXXX, the lack of correct verification information and the closure of my credit card account.

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 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The address XXXXXXXX XXXX  is inaccurately reporting on my credit profile which is a violation of my consumer rights. The correct address, attached, is not on my profile. This needs to be removed as soon as possible.

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 2023-10-05
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act XXXX Account 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 XXXX. XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX XXXX XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. Upgrade : Acct # XXXX XXXX. XXXX XXXX : Acct # XXXX XXXX. XXXX XXXX  : Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hello, Chase bank offered me a balance transfer for my Chase Sapphire Reserve card via mail and when I logged into the my banking portal. The offer was 0 % interest rate, for 12 months ( until XX/XX/XXXX ) and then a 20.74 % after the promotional period ends. There was a 5 % fee associated with this offer. I took this offer and on XX/XX/XXXX the {$15000.00} was deposited into my checking account and the {$15000.00} was charged to my credit card ( for what I believed 0 % interest until XX/XX/XXXX ). 

When my credit card statement was distributed today ( XX/XX/XXXX ). The credit card statement said to pay the the full balance transfer amount ( {$15000.00} ) + my new purchases last month + minimum amount to avoid interest payments to AVOID interest charges. This is not what I believe I agreed to with the balance transfer agreement. 

I called their customer service line twice to understand why my credit card statement said that. Upon calling their customer service line the first time, the customer service representative could not explain why my credit card statement said that or how that amount was calculated. Upon calling the customer service line the second time, again, he customer service representative could not explain why my credit card statement said that or how that amount was calculated. 

It was on the second call where I was transferred to a supervisor that declared that unless I paid that amount in full [ full balance transfer amount ( {$15000.00} ) + my new purchases last month + minimum amount to avoid interest payments ] that I will not be charged any interested. This is because in the fine print of the contract ( which is being mailed to me in 7-10 business days ), unless I pay that full amount previously noted, I apparently agreed to that any new purchases I am being charged interest from the day of transaction. This is contrast to traditional interest that you incur if you don't pay off your new purchases in full by the due date. 

I believe balance transfer agreement was false advertising, and that is because buried in the fine print ( which I am waiting to be mailed to me and review ) they changed the terms of the original agreement and how they charge interest. It used to be : you incur interest if you don't pay off your new purchases in full by their due date. Whereas now I'm getting charged interest the day of any new purchase. 

The net result is a feeling that a big bank pulled one over on me in the fine print.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeated robo calls for a debit owed by XXXX XXXX, number being called from is XXXX, last call XXXX XX/XX/2019 at XXXX hours, do not know who he is or what he owes but the phone that keeps being called is my telephone number XXXX XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation