BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: CT
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX  have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have reached out to Transunion to fix this issue they have not fixed this matter yet.They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Said company has violated my consumer rights Under 15. U.S 1692e- False or misleading representations Adebtcollector may not use any false, deceptive, or misleading representation or means in connection with the collection of anydebt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communicationis from an attorney. 

Attached letter was sent on behalf of National Credit Systems, which is a violation under law

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was served papers to appear in court for small claims summons, the court date was for XX/XX/2019. Today, I received an email from my payroll telling me my wages were going to be garnished. I contacted my payroll department I was never provided any documentation for a default judgement and I was told that Law Office of Hunt and Henriques had submitted a judgment against me. I contacted the law office to inquire as the court hearing was not schedule until XX/XX/2019 and I was told, they requested a summary judgement without the hearing. I spoke to an Attorney ( XXXX ) and he explained that since I was served paperwork and I did not contact them or the court, they were granted the judgment. He explained this is customary practice but it feels as it is deceiving and should be illegal as we had a hearing that was already schedule. I have asked for a copy fo the judgment and documents submitted and provide to the court but I was told they have already been sent to me. However, I never received this documents. Today, I attempted to settle the debt via an electronic check or debit card but I was told, I would have to mail in a payment in form of certified payment and that once, they received the payment, it will take several days to process and therefore, the garnishment might still take place. I was told the judgment will affect my credit and can affect any property own. The amount of the garnishment is much greater then what is listed on the court summon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Burns Auto Credit, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/23, I mailed request to Burns Chevrolet, to send the disclosure pursuant to XXXX -see below : that was never given to me at no time from beginning too now. I want to opt out from them sharing my personal information to any 3rd parties, including consumer reporting agencies. And at this time i haven't heard from them. see the law below Per FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b Opt out 1 In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party B the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and C the consumer is given an explanation of how the consumer can exercise that nondisclosure Option

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, received from a debt collector that I owed {$1200.00} to XXXX XXXX my credit score dropped over 200 points. When I call the Credit Management ( XXXX ) they said I had to call XXXX who instructed me to fill over 10 pages they would not give any information. Then I was told to call their Fraud Department XXXX where there was a difficult language issue. Finally, if I could prove who I was they would work me. They send me to send a picture ID or State Id. 

My Question is since my Credit report is frozen how did XXXX allow someone to open an Account in my name. I was a victim of ID theft in the year XXXX. 

On XX/XX/XXXX, I receive from XXXX sincerely apologizes for any inconvenience this the matter caused me. My question how do I know this will not happen again in the future and can I trust XXXX when my personal information. I think they should provide solutions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, Trans Union, XXXX, XXXX XXXX  and etc. never investigated inquires and they willing knew it was a violation of my rights so they are criminally liable and Civil liable pursuant to 616 15USC 1681n civil liability for willful noncompliance any person who willfully fails to comply with any requirement imposed under this title with respect to XXXX XXXX is liable to that consumer in an amount equal to any actual damages sustained by XXXX XXXX as a result of failure and in the case of any successful action to enforce any liability under this section the cost of the action with resonably attorney fees as determined. The Bureaus ( transunion, XXXX, XXXX, XXXX  and etc. ) deletion is admittance to them reporting fraud information on my 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 2021-10-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've been working with Equifax over the past few months in an attempt to rectify identity theft related items on my credit report. During this process, they placed a Fraud Alert on my credit without my consent, and now, for whatever reason, I am no longer able to see my updated credit score via the my.equifax.com site OR sites like XXXX XXXX, etc. I filed a request to have this block removed weeks ago and no action has been taken. Most recently when calling, I was told by them that it wasn't their fault and there was nothing I could do but wait. 

To add insult to injury, I pay Equifax to get a daily score that has been frozen since XX/XX/29 This has caused me damage as I try to accurately monitor my credit for future identity theft, as well as prepare to buy my first home. To be safe, I have emailed Equifax and all credit bureaus a request to remove any fraud alerts from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Monterey Financial Services LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/XXXX I received a call from XXXX XXXX about a debt for someone that I don't know. Around XX/XX/XXXX I went to their website and requested to be removed since I am not the debtor. After I made this request, I got calls on XX/XX/XXXX, XX/XX/XXXX ( twice ) and XX/XX/XXXX. After the call on the XX/XX/XXXX I called and spoke with someone about being removed, at which point he admitted I was not in their system and that I should receive any more calls from them. Since then I have gotten calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and 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 2021-11-02
Company: FORD MOTOR CREDIT 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:
My name is XXXX XXXX. My wife, XXXX and I purchased a used XXXX XXXX XXXX with XXXX miles in XXXX, XXXX from XXXX XXXX XXXX XXXX, California. The vehicle was purchased with cash and a {$20000.00} loan ( approximate ) using Ford Credit as the lender. A Maintenance Agreement of {$3900.00} was added to the loan with the purchase. After review of that agreement directly after the purchase it was decided that we would cancel that agreement. I contacted the dealership and filled out a cancellation on XX/XX/XXXX. After many visits to the dealership, emails, phone calls and failed promises there has been no action to cancel the policy. A re-submission of the cancellation was made with XXXX Ford/Lincoln XXXX XX/XX/XXXX along with an assurance by XXXX XXXX XXXX XXXX XXXX Ford/Lincoln General Manager that an email to Ford Credit cancelling the policy would be sent yesterday and copied to me, it did not occur. My emails to XXXX XXXX requesting status have gone unanswered. I am hoping that your agency might help with urging XXXX Ford/Lincoln along with Ford Credit to follow through with their legal obligation. I believe 5 months is well past a reasonable period to respond and act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: JPMORGAN CHASE & CO.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
After on going account disputes for months, and requesting information on the books and accounting on my loan, I went ahead and did a negotiable instrument to make my payoff. On XX/XX/23 it was process, cleared, title was sent & Lein was released. 

I then sent a conditional acceptance letter on XX/XX/23 requesting total account records, books, any IRS forms filed on my behalf. I sent them all the laws and definitions following what I was needing to see. I gave them 10 days to respond with the information requested, which was not only REFUSED & LATE returned to me, but also IGNORED. I received my conditional acceptance with a letter stating we only accept USD. 
Within the letter I broke down, conspicuously what UCC 3-304 means in a case such as this one. I also gave definitions on any material needed and a proof of claims they needed to prove before going forward with this loan. I put them on notice of dispute several times, laws conspicuously state any debt in dispute can not be attempted to collect until resolved, my dispute was not resolved until seeing the complete books and accounting on my auto loan. 
On XX/XX/23 chase auto charged off my account, failing to resolve, show me the books, resolve the dispute, prove they have not committed any fraud on my behalf, sold my personal information, been paid using my promissory notes, received any funds on my behalf to settle my debt, proved the payment made did not settle my debt, etc. as the entire letter will be attached to review. Next is a lawsuit, as I am sure chase auto will try to get my private property, and I will have to sue for theft, defamation, harassment, identity theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: NC
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:
I sent XXXX a letter over 30 days ago and have not gotten a response in regards to all of the incorrect information they have reporting on my credit. They have incorrect addresses, and jobs that I wrote to have deleted and they are still there. No response no letter no nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: ARVEST BANK GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I need to file a complaint against my mortgage company, Arvest Central Mortgage Company ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AR XXXX / XXXX / XXXX ). They charged my escrow account twice in the same amount of {$2100.00} on XX/XX/XXXX and XX/XX/XXXX to pay the property tax to county. I sent them a message through their website to tell them that they paid duplicate property tax payments to county, but they didn't confess their mistake until I sent them few more messages. They sent me three or four incorrect escrow account annual analyses in few weeks. Finally they agreed to waive the escrow account and refunded the balance to me. My escrow account has been closed on XX/XX/XXXX ; however, they have not refunded the {$2100.00} that they charged me twice. They said they have requested county for the refund. Since that is their mistake, why I got penalized? They could not tell me when I can get back my {$2100.00}. I request they refund to me {$2100.00} immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I paid off my Chase Sapphire credit card, which had held a balance for a period time after a period of financial hardship. My income had increased by $ XXXX, so that was updated as well. 11 days after paying it off, Chase Bank lowered my credit limit by 90 % XXXX XXXX XXXX XXXX XXXX  ), completely negating the effect of paying off the card on my credit score. This seems designed to keep me in a debt trap, as it prevents me from obtaining consolidation loans. It is effectively punishing me for eliminating the interest-carrying balance on the card. 

Chase has refused to reinstate the old balance, and claimed to be unable to escalate me beyond a second tier of account specialist. The factors they listed in the letter they sent were mitigated by my payoff, but it was as if the payoff was in fact the impetus for them to lower the limit. A slightly lowered limit would be understandable, but a 90 % reduction is capricious and punitive. It turns me off entirely from ever doing business with Chase again, as they seem to want to punish consumers for using their credit line or having periods of increased financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This company is currently showing XXXX days late in XXXX XXXX XXXX days in XXXX, XXXX  days in XXXX and XXXX days in XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
See below account for proper implementation. 
XXXX XXXXXXXX XXXX Balance : {$110.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Company: AMERICAN EXPRESS COMPANY
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:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX CARD Account Number : XXXX XXXX Account Number : XXXX AMEX Account Number : XXXX XXXX XXXX BANK XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: JPMORGAN CHASE & CO.
State: TX
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 authorized payment for my Chase Account on XX/XX/2019 for my Credit Card that is due on on XX/XX/2019 ( the day my account payment is due ). On XX/XX/2019 Chase Bank ignored the fact I set up a payment and instead autozied credit card payment using the automatic payment I had set up in case I forgot to pay my bill. Then two days later on XX/XX/2019 ( after my credit card statement was due, they authorized the payment I had scheduled on XX/XX/2019 this lead to my account with XXXX XXXX XXXX. 

We went in and got a refund from Chase bank, and XXXX XXXX refunded my overdraft. But I wanted to make someone aware that Chase bank withheld payment that I scheduled for my credit card until after my Due due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Experian Information Solutions Inc.
State: MS
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 account open in my name for XXXX dollars

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 2021-11-02
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter dated XX/XX/2021 in which a company known as " AFNI '' stated they were a collection agency for XXXX XXXX XXXX. They were seeking {$270.00} but would " accept a discounted amount of {$150.00}. '' My telephone bill has not exceeded {$30.00} in the last 10 years. I also spoke to customer service with XXXX XXXX XXXX and they assured me I have no outstanding balance whatsoever. 


This is clearly a fraud aimed at extracting funds from people -- -- -most like Senior Citizens, which I am. 
Here is information on their letter : Phone : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX XXXX, XXXX Account : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: National Account Systems of Omaha, LLC
State: NE
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:
requested written verification that this was my account, collection agency said the creditor did not due contracts.

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 2019-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
To whom it may concern : I have spoken with XXXX and the information that's showing up on my credit report is inaccurate. The customer service Rep. by the name of Ms. XXXX XXXX informed me that there were no Bankruptcy 's showing up on my file. So please have all three credit bureaus to remove this inaccurate information from my credit file this is indeed a violation of the ( FCRA ).

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