BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-22
Company: JPMORGAN CHASE & CO.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid my loan off on XX/XX/2022. I have still yet to receive the title. The car is titled in XXXX, so it should've been a simple electronic notification to have the XXXX XXXX send me the lien free title. Chase originally thought my car was titled in XXXX where I bought it, but spent a month gaslighting me and telling me they already released my title, which they didn't because the car was titled in XXXX On XXXX XXXX, after over a month, it seems they finally believed that my car was titled in XXXX, however instead of electronically releasing the title, they requested a paper title which they claim they haven't received yet. XXXX requires the title to be released within 3 days of loan payoff, and it has been 45 so far. Plus I will be responsible for paying the {$25.00} now to remove the lien from my title. I have been trying to sell my car since early XXXX, but now I'm stuck paying insurance and storing the car until I can get all this sorted out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-29
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:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions 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 reporting act XXXX account # XXXX XX/XX/2020 closed account XXXX account # XXXX XXXX XXXX closed account XXXX account account XXXX XXXX XXXX closed account XXXX account XXXX XXXX XXXX XXXX closed account has violated my rights 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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

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 2022-02-14
Company: Stein Law, P.C.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I recently contacted XXXX XXXX XXXX in XXXX about XXXX XXXX XXXX, about a judgement that was put on me XXXX. Then I received a email Mountain Law Group in XXXX Colorado from a XXXX XXXX managing Attorney of this firm, she purchased this account that was supposed to be changed off. I received these documents in the mail over the weekend, I have worked hard to get my credit straight, and this shows up in XXXX. I will send these documents included, I want my state attorneys office to look at this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2020-09-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DO NOT BELONG TO ME THEY ARE FRAUDULENT ACCOUNTS LISTED ON MY CREDIT REPORT AND ALSO INQUIRES I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of 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 2023-11-17
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Credit 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 was on vacation in XXXX XXXX XXXX Florida, I booked a VRBO for 11 days, I was there for 4 days from the XXXX XXXX XXXX XXXX, 2023. 
I communicated with property Management and I made them aware I had to leave early my daughter was diagnosed with XXXX. 
The Manager of Property advised they would change my stay to end on XXXX th and rebook and refund the difference. They didnt. Nor did they refund my security back. So I submitted a dispute with Navy Fed my credit card co.. uploaded proof of communication 15 pages the host of property refused to communicate with NFCU! NFCU want additional info from me, the property mgr changed the rate per day if my stay, from XXXX $ per night to XXXX $ without my permission or knowledge ( cooking their books agaitge law per IRS and VRBO policy. VRBO removed them off their site for violating their policies. NAVY Federal still will not reverse my credit card even though I uploaded proof of host agreement to refund my stay and lack of communication with NFCU AND VRBO! 
They ( the property mgmt even changed the dates to coincide with my stay so that further solidifies their agreement to refund my stay of 7 days. NFCU refuses to do anything to help me. I advised I would reach out to you, the NYS Attorney General and IRS for them adjusting their books without my permission or knowledge. Please help me.

Company response to consumer: In progress
Consumer complaint received 2020-09-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DO NOT BELONG TO ME THEY ARE FRAUDULENT ACCOUNTS LISTED ON MY CREDIT REPORT AND ALSO INQUIRES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2020-12-06
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:
I submitted claim earlier and noticed on my report that the original creditor that reported such debt of highest balance XXXX is already on my credit report and been closed since XXXX. there are many violations being made here by XXXX XXXX first of all i do not have a loan with this company world finance I have disputed this in the past back in XX/XX/XXXX when this affected my credit score with equifax taken my score down nearly 70 points and now 8 months later on my XXXX  it has taken my score down 83 points they have Never ever contacted me once about this and futhermore this should not appear on my credit twice whith different open and close dates and appear on my credit as i opened a New Account Really????? how a new account that states 5 years do the math people and says closed XX/XX/XXXX when it clearly says closed XX/XX/XXXX XXXX report says XXXX another XXXX and another one XXXX all different two with XXXX  XXXX  the original creditor and then now XXXX  XXXX  who is putting stuff illegally on my report they have done this twice now have not contacted me i will attatch two seperate sheets one had a contact one has no contact info from the last time they destroyed my credit and it took awhile to bring it back from XXXX and now I have a phone number but they have done this again this needs to come off my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted claim earlier and noticed on my report that the original creditor that reported such debt of highest balance XXXX is already on my credit report and been closed since XXXX. there are many violations being made here by world finance first of all i do not have a loan with this company XXXX XXXX I have disputed this in the past back in XX/XX/XXXX when this affected my credit score with XXXX  taken my score down nearly 70 points and now 8 months later on my Transunion it has taken my score down 83 points they have Never ever contacted me once about this and futhermore this should not appear on my credit twice whith different open and close dates and appear on my credit as i opened a New Account Really????? how a new account that states 5 years do the math people and says closed XX/XX/XXXX when it clearly says closed XX/XX/XXXX one report says XXXX another XXXX and another one XXXX all different two with XXXX  XXXX  the original creditor and then now XXXX  XXXX  who is putting stuff illegally on my report they have done this twice now have not contacted me i will attatch two seperate sheets one had a contact one has no contact info from the last time they destroyed my credit and it took awhile to bring it back from XXXX and now I have a phone number but they have done this again this needs to come off my 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 2020-09-21
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:
Several online disputes have been sent to EXPERIAN directly through their site as well as the CFPB portal. These disputes have included the FTC report, a copy of my DL and lease as well as proof that my identity has been compromised on the XXXX XXXX Yet, EXPERIAN has repeatedly refused to remove the once deleted XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts from my credit report. Additionally, they reported that the fraudulent accounts has been verified by the data furnisher but have failed to provide me with such proof as required per FCRA regulations. Therefore, I am demanding to have these accounts removed from my credit report because it is a direct violation of my consumer rights to list fraudulent information on my credit report. PLEASE DELETE 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 explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: NJ
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:
I discovered that the transaction XXXX XXXX/Account # XXXX has been furnished to the Trans Union , XXXX, and Equifax and is being reported on my credit report without my written consent. Using or attempting to use identifying information of another person without consent or authority is considered identity theft under Federal Law. The creditors who furnished this information to the credit reporting agencies failed to provide me with disclosures to opt out before disclosing any of my personal financial information to the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was promised in return for pay for bitcoins I would get money in return and got hacked locked out of my XXXX account which he is using to con other people using my face!

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 2023-03-21
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Information being reported on my credit report is inaccurate. This includes old addresses, alias names, and accounts that are reporting in violation of my rights consistent with FCRA. A request was made citing the law and the accounts and inaccurate information listed. As of this date I have received no information from the credit agencies. The erroneous information is a violation of my rights and I request that unlawful information be deleted immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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 noticed several inquiries from places I didnt know about or approve of on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
Hello, I am writing because I feel as though my credit profile is being targeted by the credit reporting agencies - due to my previous negative credit history. 

I have been working very hard to bring my score up and every time I do the credit agencies allow a company to put a fraudulent account on my report. I then contact all three agencies to advise/dispute and they answer with the debt is valid. To which three times I have had to reach out to your office to request assistance. 

Then once these negative items are removed my credit report the score is not increasing/adjusting for the change. There have been instances where I have paid the debts and an agency like XXXX XXXX has advised my score will increase 25+ points and nothing. 

I have done everything in my power to try and jump from poor/fair to good credit and no matter how i try i keep getting knocked back down to the 500s. I feel as though this is the credit agencies attempt to try and keep my score low. As I will then be forced to pay higher interest rates. I would like to request an audit of my credit profile. Please help me I am sure they are mistakenly keeping my credit score low. If I am wrong I will accept this, but i would like some help with making this right. 

Thank you, 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 2020-09-21
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XXXX  and I cancelled transactions with me on Friday, XX/XX/2020  because it was not used. They refunded two transactions to me in the amount of {$5.00} and {$140.00} on Sunday, XX/XX/2020. The refund on my Bluebird American Express stated " hold for review ''. I contacted Bluebird American Express to inquire why this was put on the account and they told me that the money will be put on hold for 7-10 days to give the merchant an opportunity to resend the transaction. I told them that I am the cardholder and the consumer and they should contact me NOT the individual I paid because Bluebird American Express does not know what was transacted or discussed between XXXX and the consumer and that obviously if XXXX had refunded the money it is not for Bluebird American Express to question or withhold the cardholder 's money further. Bluebird American Express stated it is American Express policy to withhold the cardholder 's refunds 7-10 days, and that my money will be returned to me at that time. Bluebird American Express treats their prepaid cards like American Express credit cards when it suits them and like prepaid cards when it does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm demanding an investigation into the following accounts, XXXX XXXX XXXX {$3300.00}, XXXX XXXX {$0.00}, XXXX XXXXXXXX XXXX {$18000.00}, these accounts are unauthorized and unknown to me and I'm demanding that they be removed. And/ or show supporting documents to support show how and why the accounts being reported.

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