BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-02
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried to pay my Chase credit card with a new Chase business bank account. The system would not let me. I then called to do it on the phone and Chase told me they could not use the Chase business account. I then tried to setup a bill pay from the new Chase business account and I received a message the system was not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
49 FCRA VIOLATIONS UNDER ONE ACCOUNT WITH TRANSUNION ; TRANSUNION HAS BEEN VIOLATING MY CONSUMER REPORT UNDER 603 15 U.S.C. 1681a ( 2 ). MULTIPLE ACCOUNTS WITH TRANSUNION ARE SUFFERING THESE VIOLATIONS WHICH HAS INJURED THE CONSUMER. PLEASES SEE ATTACHED. RE : 1ST 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 explanation
Consumer complaint received 2022-12-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Nelnet, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am in the process of applying for XXXX while looking at my history summaries on XXXX XXXX  I noted incorrect information regarding loans while being serviced through Great Lakes. I called Great Lakes and asked for a status history in which I noted a forbearance XX/XX/XXXX to XX/XX/XXXX, an economic hardship for XX/XX/XXXX until XX/XX/XXXX as well as multiple " administrative forbearances ''. Also had XXXX consolidated loans and XXXX XXXX loans when I was transferred to Great Lakes but according to their records I have XXXX loans, but only sent a status history of XXXX when I requested XXXXI applied for income driven in XX/XX/XXXX, at that time my monthly payments were zero dollars and most recently pre pandemic I was paying roughly {$50.00} thru auto pay. When I spoke with a supervisor she stated my income driven plan was started in XX/XX/XXXX, according to her it starts when the paperwork is processed. That date is incorrect because my annual recertification is XX/XX/XXXX, as I initially applied in XXXX XXXX  XXXX. I have read about others having these types of inconsistencies with Great Lakes. They are capitalizing off borrowers ' student loans principal and interest from these tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX XXXX XXXX  ending in XXXX. No full number shows on the report. 

XXXX XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ending in / XXXX. No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX  ending in XXXX, XXXX. No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXXXXXX XXXX XXXX XXXX ending in XXXX. No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX ending in XXXX, XXXX, XXXX. No full number shows on the report. 

XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  ending in XXXX, XXXX, XXXX. No full number shows on the report. 
All above have violated my rights. I am respectfully requesting the removal of the negative information from my credit report to all three reporting agencies. 
XXXX XXXX XXXX section XXXX A states I have a right to privacy. 
XXXX XXXX XXXX section XXXX A states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX ( a ) ( XXXX ) section states no consumer reporting agency may make any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 
XXXX U.S.C XXXX ( A ) ( XXXX ) 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 2022-12-18
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted an earlier CFPB complaint XXXX related to this company. In that complaint, this company said it would put this debt on hold and verify information with the creditor, and then the complaint was closed as problem not addressed. Today, again I received another text message from this company and harassed me on the debt that i do not owe. It say This is XXXX XXXX XXXX  ( a debt collector ) regarding XXXX XXXX. We provide self-service XXXX Reference file # XXXX. To opt out, reply STOP. 
my complaint is, this company never verified my information before sending the collection letter to an address thats no associated with XXXX 2nd, it says it would put the debt on hold yet it never did and lied in its response to CFPB complaint XXXX. XXXX, it keeps harassing me with the debt and resumed the debt collection practice after CfPB closed the previous complaint. Please do something and ditch those bad collection agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a report from XXXX XXXX XXXX stating a checking account was opened in my name on XX/XX/2017 at XXXX XXXX XXXX  XXXX account number XXXX. Someone opened this account in my name, the account was open for one month before being closed by the bank for a fraudulent fund transfers and also listed the account was paid out to an address which is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: TX
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Subject to Subsection ( C ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I did not consent to XXXX XXXX to report any student loans to my credit report. I have no knowledge of these accounts and I demand the removal of these student loans reporting on my account immediately.

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 2023-04-09
Company: Experian Information Solutions Inc.
State: MO
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 continue to violate my consumer rights but putting inaccuration information on my credit even when i dispute the items they ignore my dispute or rquests for removing inaccurate information off my credit reports. I continue to show proof how they violating my rigths when i send letters asking to show proof of there verifications since they also say they verified the account but never get my request nor permission to do anything but remove negative information off my credit.

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 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I am writing to dispute the reporting of bankruptcy information on my credit report. According to my credit report from the credit reporting agencies, it appears that bankruptcy information has been reported by your agency. However, I would like to bring to your attention that bankruptcy courts do not report directly to the consumer reporting agencies, and it is a violation of the Fair Credit Reporting Act ( FCRA ) for such information to be included in my credit report. 

I would like to emphasize the following points : Bankruptcy Court Reporting : Bankruptcy courts do not provide information directly to consumer reporting agencies. The reporting of bankruptcy information is the responsibility of the creditors and collection agencies involved in the bankruptcy proceedings, and it is their duty to accurately report this information to the credit bureaus. 

Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer 's report. 
( XXXX, TransUnion, XXXX, XXXX and XXXX ) is in violation of said section for furnishing this information on my consumer report, that was obtained illegally from XXXX XXXX under false pretenses in which they've obtained it from an online electronic system known as XXXX 

Remove this account from my consumer report now!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2020, I went to TransUnion 's official website to get a free credit check. I entered my debit card info as I thought this was a standard part of the credit check, and with no warning received TWO charges from TransUnion for {$24.00}, as part of a monthly subscription service. There was no subtotal, total, cart, listing or any other such indication presented to me letting me know I would be charged, and it was heavily implied throughout the process that the credit check I was receiving was free.

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 2022-10-10
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My complaint is against Chase Bank. On XX/XX/XXXX, my mother past away. About two weeks later I went to Chase Bank, XXXX XXXX XXXX XXXX, XXXX, AZ and ask them if I could close my mother 's checking account. I was told that no one in the bank knew what to do, could I come back the next day. I did that for 3 days in a row and they could not tell me what to do. They then told me to call XXXX guess who. They told me to go the the branch office and they would take care of it. I had given up on them. Then on XX/XX/XXXX I received two checks from XXXX. One for {$3200.00} the other for {$180.00}. The problem is they are made out to XXXX XXXX XXXX XXXX  XXXX. There is no estate. So I went back to XXXX and I was told to take the checks to my bank and negotiate them with them. My bank just laughed. I think of how many people Chase Bank does this to and steals the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Firstsource Business Process Services, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
- Company name : FIRSTSOURCE ADVANTAGE , LLC - Dates of contact : XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX - XXXX XXXX   - call w/o voicemail XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX -  XXXX XXXX   - call ( 1st voicemail ) - Complaint : As referenced above, Firstsource Advantage , LLC has attempted to contact me ( 7 ) times. Firstsource Advantage , LLC has not sent me any letters attempting to inform me of the claimed debt nor has Firstsource Advantage , LLC given me an opportunity to dispute claimed debt. 

On XX/XX/XXXX I recieved my ( 1st ) voicemail from Firstsource Advantage , LLC informing me of their debt collection attempts, along with a 'reference number ' and phone number to contact their offices through. 

On XX/XX/XXXX at, or around XXXX XXXX  I researched the number I was contacted by through XXXX and found Firstsource Advantage, LLCs ' contact number ; I informed an individual that I demand Firstsource Advantage , LLC makes no further attempts at contacting me. I then called the number I was originally contacted by [ XXXX ] and informed a second individual that I demand to not be contacted any further about any claimed debts. 

Firstsource Advantage , LLC is in clear violation of FDCPA Section 1692g ( a ) which requires a debt collector to send a written notice of a claimed debt to a consumer within five days of the collector 's initial attempt to collect a debt and specifies what information the notice must contain.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXXXXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
So I have been on forbearance for the past year like everyone. In XXXX, the COVID Relief act passed {$9.00} XXXX to help homeowners. When I try to apply for these funds to help bring my mortgage current, there seems to be no money available. So is this a lie? Why cant we apply for help from this {$9.00} XXXX. I NEED HELP ASAP. My forbearance ends soon. 

See XXXX XXXX XXXX XXXX XXXX  " The bill also provides {$9.00} XXXX to help homeowners struggling with mortgage and utility payments. To apply for mortgage assistance click here. " but when you apply it just takes you to a page that says you have to apply for a forbearance. ARE YOU KIDDING ME??????? 

please eXPlain why this money is not really available to help homeowners stay in their homes when it was put in writing that it was.

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 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loan balance is current XXXX and paid in full. My rental company also reports my payments as timely every month yet the companies have the balance as incorrect for the student loans that went from {$100000.00} owed to {$0.00} ( XXXX  ) dollars owed. There was no score increase for such a large debt to removed. The monthly rental payment of {$1300.00} is also not showing as reported either

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 2023-06-24
Company: EQUIFAX, 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:
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.

The letters are stated with items and issues. 

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 non-monetary relief
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent letters to all the bureaus to address inaccurate and fraud accounts and inquiries that are reporting and that do not belong to me. PER 15 1681B I DID NOT AUTHORIZE you all to furnish this information. Let alone furnish FALSE AND FRAUD INFORMATION. THESE NEED TO BE REMOVED ASAP.

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 2023-10-19
Company: EQUIFAX, INC.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief