BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: NC
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 account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX account # XXXX and XXXX XXXX XXXX # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXXXXXX XXXX  account # XXXX and XXXX XXXX XXXX # XXXX, has violated my rights. 

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

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

Company 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 2019-04-02
Company: Michael & Associates, PC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Michael & Associates has contacted both my parents asking for me and stating they are lawyers and debt collectors. I've asked them not to on their recorded phone call, they should lose their license and prosecuted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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: Public record information inaccurate

Complaint:
I have been fighting this bankruptcy for a few months because of the inaccuracies inside of the bankruptcy. I logged onto XX/XX/XXXXto verify that all of the information was correct ; ie. case numbers, closing dates, etc and I noticed that the case number listed on all 3 credit bureaus are incorrect. The case number listed in XX/XX/XXXX is XXXX ; however what is being on all 3 credit bureaus and probably XXXX XXXX and XXXX is incorrect information. The information being reported on XX/XX/XXXX is XXXX, onXX/XX/XXXXis XXXX, and on TransUnion XXXX. 

On XX/XX/2020, I disputed the inaccurate reporting to XXXX as all 3 bureaus stated they validated this reporting through third party, XXXX XXXX. On XX/XX/2020, after a re-investigation of the data in question, XXXX XXXX removed the bankruptcy from my XXXX XXXX report. I have forwarded a copy of this report to all 3 bureaus and they are still coming back stating item in dispute not changed as a result of our processing of your dispute. The company that reported the information has certified that the information is accurate How? When XXXX XXXX clearly stated in writing they removed it.

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 2020-12-02
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
We paid for a shuttle service in Florida on XX/XX/2020 using their website XXXX https : //XX/XX/XXXX for {$91.00} ). The next day our cruise was cancelled so we contacted the shuttle service to cancel the shuttle. No answer to the phone number, no answer to email and no return calls. We attempted several times in two weeks to cancel and they never responded. I contacted Ally Bank to dispute the charge. Ally told me it would take 90 days to investigate and had me fill out paperwork. Non of the scenarios on the paperwork fit the description of the problem. I called to ask for help and the dispute team told me to find the one that fits the closest and fill out that section. So I chose " that the service was not provided. '' After 90 days Ally Bank told me their investigation was complete and that the charge was correct and I had used the service. 
Well that is simply not true so I opened new dispute which they closed within a week with the same result. I asked to speak with someone in the dispute department to explain the problem and was told that I am not allowed to speak with that department. I sent an email trying to explain the problem and a reply email told me someone would be calling me on the phone. No one ever called and now I have a letter ( Dated XX/XX/2020 ) in the mail telling me the dispute is closed, the charge was authorized and the time frame to recover funds is now past. I reported this problem to Ally Bank 30 days after the transaction after I had mad multiple attempts to contact the merchant. Ally bank had plenty of time to investigate and correct this transaction. I have opened three disputes with Ally Bank and no one has contacted me to discuss the problem bu they have all been closed.

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 2019-03-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
CITIBANK TREATS ME HORRIBLE THEY HANG UP THE PHONE ON ME THEIR APPLICATIONS DEPARTMENT IS RUDE AND XXXX  AND SUPERVISORS EVERYONE THIS COMPANY HAS TO BE RESEARCHED AND INVESTIGATED THEY TREAT ME HORRIBLE THEIR XXXX OFFICE DOESNT CARE ABOUT MY CASE THEY THINK ITS RESOLVED WHEN THEY DID NOTHING FOR ME THEY HAVE A LADY XXXX XXXX SHE REFUSES TO RETURN MY CALLS OR ANSWER OR CALL ME BACK I WAS DECLINED FOR A CREDIT CARD ITS NOT FAIR I NEVER FILED BANKRUPTCY WITH THEM BEFORE OR WAS CHARGED OFF OR LATE AND THEY SEND ME A LETTER SAYING MY CREDIT PRIVILIGES ARE RESTRICTED ITS NOT FAIR I WAS DECLINED FOR MY XXXX ONLY FOR THIS REASON BUT IF I APPLY FOR ANOTHER XXXX XXXX  I AM NOT GIVEN THIS REASON ONLY THIS CARD ITS NOT FAIR IM A MEMBER OF XXXX AND ALLOWED TO HAVE THEIR CREDIT CARD HORRIBLE EXPERIENCE

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 2023-03-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On or around XX/XX/2023, I was contacted by a representative from Chase Bank, XXXX. to discuss balances on my existing revolving credit accounts. Despite the fact that I have never missed a payment, I was advised that my credit limit on each card was being reduced. I do not take issue with that decision, as it is squarely within the prerogative of the card issuer. However, Chase made the inexplicable decision to report each limit decrease one-by-one -- instead of at one time, or near the time the decision was made -- resulting in a new diminution of my credit score with each such report. On information and belief, the bank will continue to report these new limits on various one-off bases, which will further lower my credit score, despite that I have engaged in no action that should result in any further diminution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: TRUSTMARK CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
victim of ID thief, and harassment someone take a mortage using my credit and car loan

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2021 I was a victim of a hit-and-run accident sustaining multiple injuries. My medical bills have been paid by my auto insurance and medical insurance. I have XXXX active insurances for which I pay huge amounts as premium. The so-called Collection Agency named XXXX XXXX  has been threatening and intimidating and this was reported to CFPB. My insurance company sent the proof that the original creditor ( an ambulance company named XXXX XXXX XXXX  ) was paid for their service. Transunion was given all the proof of payment by XXXX and still they refused to remove it from my credit report and reporting false information. Transunion is colluding with the collection agency and Transunions action is unlawful. The collection agency repeatedly lied to CFPB on multiple occasions. XXXX  times I filed dispute through Transunion website with testimony and proof that I am not responsible for this and my auto insurance and medical insurance paid all legitimate amounts. The proof is again attached and Collection Agency is still attempting to threaten by keeping Negative false information on my Credit Reports.

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 2023-03-24
Company: Experian Information Solutions Inc.
State: MD
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 illegally reported a total count of four late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal 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 explanation
Consumer complaint received 2022-07-11
Company: Siggi LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received XXXX loans from Omni financial via their Virginia branch in 2021 after CFPB already filed suite and won. Yet XXXX is still conducting practices they they were already informed were illegal. They have not complied with the stipulations of the lawsuit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To : XXXX Re : XXXX XXXX XXXX Discover credit card account that is not mine XXXX I wish to make a complaint against a debt collector, XXXX XXXX XXXX XXXX who are in violation of the California Fair Debt Collection Practices Act and the federal Fair Credit Reporting Act. 

I have been the victim of identity theft. Discover had claimed they issued a card to a person with the same first name, but a different last name than me, and now Discover and the company they sold the debt to, XXXX XXXX XXXX, claim that this account is mine. 

This identity theft Discover account has been added to and is negatively impacting my consumer credit files since XX/XX/XXXX, despite the numerous disputes and certified letters with documentation including my FTC Identity theft report, my police report, and proof of my identity -- that I have sent to Discover, XXXX XXXX XXXX, and the XXXX XX/XX/XXXX, and XX/XX/XXXX. 

I do not have an account, nor have I ever maintained an account with Discover. 

Discover claims that the account was opened via an internet application we received on XX/XX/. Note that the account was allegedly opened for a person with the same first name, but a different last name than me. I have never had or used any other name. 

Any person or persons with my stolen identity credentials and malicious intent could have opened this account via the internet. XXXX XXXX XXXX and Discover refuse to provide any contractual documentation to me regarding this account. Further they refuse to remove it from my consumer credit files despite the fact that I have, on multiple occasions, provided them with all of the documents theyve requested proving my identity and the fact that I have been the victim of identity theft. The latest certified mailings I sent them with this information was on XXXX. 

I have repeatedly contacted both XXXX XXXX XXXX and Discover in my efforts to resolve this issue, but they have not removed this account from my consumer credit files and XXXX XXXX XXXX continue to harass me in regards to this debt. 

There is no pending court action and I have not filed a lawsuit regarding this matter. 

The resolution I am seeking is for XXXX XXXX XXXX to cease contacting me regarding this debt and to remove all instances of it from my consumer credit files. I further request that Discover be compelled to do the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
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:
Strictly for XXXX XXXX XXXX, EQUIFAX, XXXX, XXXX. PLEASE REMOVE ANY OTHER ADDRESS LISTED OTHER THAN THE LISTED ADDRESS THANK YOU. Here is a final letter and the final attempt to reach out to you. I would like for you to know that all letters and conversations between us have been previously recorded. I have sent in previous certified letter since XX/XX/XXXX and I havent gotten a response on my case. Your company has violated my rights within The Fair Credit Reporting Act within sections 609, 611, 612, 623, and several others. I am seeking a total of {$3000.00} for damages and the detriment to my personal credit file. Your company is reporting erroneous information and I am unaware of it. This is the final good will letter and will contact the attorney generals office in Florida, make sure your company is placed on public records file. If you think that youre going to get away with this you are wrong and I know all of my rights. I asked for several documents in XX/XX/XXXX of last year. I asked for original contracts with my signature, by law if you didnt respond within 30 days the erroneous accounts listed were to be removed and you continuously report it. XXXX XXXX XXXX THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
A fraudulent assignment of mortgage was used to claim ownership and obtain a foreclosure sale on XX/XX/XXXX. 

The enclosed assignment of the mortgage recorded and filed on XX/XX/XXXX, in the county clerks office of the XXXX/county of XXXX is fraudulent. The assignment of a mortgage uses MERS, who can not legally assign to XXXX XXXX XXXX, a company that did not exist on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX publicly went out of business in the year of XXXX 

The Trust to which the mortgage was allegedly transferred had closed in XXXX, and could not have accepted the assignment in XXXX  7 years After the Trust had closed. Transferring non-performing loans into a Trust or making an out-of-time assignment is void under the New York Trust law XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase Bank froze my account because THEY misunderstood my son 's inquiry into a previous UNRELATED joint acct. I got my daughter to investigate the problem for me. They would not speak to her even though I gave permission. 
We went to get a notarized Power of Attorney. They REFUSE to honor it! 

This is not the first time this has happened. More than 20 years ago Chase added illegally fees for services to my account they claimed I asked for. I did not. 
They then claimed my dead husband had. He had not. It's sexist & condescending. 

In current problem Chase Bank also claims they are just " trying to protect me ''. Again insultingly condescending in order to cover their predatory practices. 

Chase also blocks any attempt to resolve the problem by blocking our combined ( Mine, my daughter 's & my son 's ) efforts to communicate with them. We get put on perpetual loops of go talk to 'x " go to 'y ' no go talk to 'z " We have spent more than 40 hours trying to talk to someone!!! 

( Final insult was they use threatening tone to say we are recording you & will use this. When we say " ok and we are recording you ' They refuse! ) The POA was meant to bypass those blocks so my daughter could speak on my behalf. They're blocking that & any other efforts to unfreeze more than $ XXXX that they refuse to release nor discuss!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: ENOVA INTERNATIONAL, INC.
State: PR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I requested a loan for XXXX dollars from this company. They are loan sharks in desguise. I have paid back over 2.000 dollar and I still owe them XXXX. It should be illegal for this business to operate. Yes they do help you I time of need but they have bleeded my bank acct. My payments are deducted actomatically from my checking a acct. I resided in XXXX  withy daugher whom has a special needs child with several health problems. I was helping her out. I had to move back to XXXX XXXX to take care of my XXXX year old mom whom has XXXX and I explained to them through an email the financial hardship I was having due to having to help my mom and my own home renovate and do repairs after hurricane Maria. They just took the action of the not making any more withdraws which that was fine with me but they had no compassion or care about my economic situation.No one ever responded to my email to try to help me. All they send me is when my next payment will be taken out of my acct. I live on disablity from soc sec and the payments never end even when I have not made any withdraws..The intrest they charge was unknow to me. I wrote them it was the worst company even if I was homeless in the street I rather stay that way then resort to them for help..Really bad. Sincerly XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collection : Eastern Account Systems - {$300.00} Back in XX/XX/XXXX I had a medical procedure done at XXXX XXXX XXXX in XXXX, CT. My health insurance ( Connecticare ) was informed prior and all costs were to be covered 100 %. 

In XXXX, I was reviewing my credit report with a financial advisor and it was discovered that there was a collection outstanding that I did not know about. I was instructed to take action and send a certified letter to the debt collector ( Eastern Account Systems ), which I did on XX/XX/XXXX. I have never received any validation from them about this issue. 

On XX/XX/XXXX of this year, I noticed on my XXXX Credit Report that this had finally came off of my report, I had hoped that it was over. Now today, I checked my XXXX Credit Report and it has suddenly re-appeared. 

This seems to be a clerical error from the original creditor ( XXXX XXXX ) due to a coding issue with the insurance company that they never resolved. 

In XXXX, I had the same procedure at the same surgery center which only uses the above Anesthesia company without any issues. Prior to the procedure I contacted XXXX XXXX to make sure that it was going to be coded properly for payment by the insurance company. At that time, I was informed that they did in fact change their medical billing company since XXXX due to issues. 

I am trying very hard to have this taken off of my credit report with disputing with the collection agency and also XXXX and having no luck. 

Please feel free to reach out to me if you need any additional information. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company ( XXXX XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$90.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation