BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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, 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 2020-09-02
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I filed a claim with experian more then a week ago regarding all my credit history and incorrect information. Nothing has happened or heard from anybody.

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 2021-02-09
Company: Experian Information Solutions Inc.
State: NV
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 am planning to refi my home in a few months. I only have a 5 '' android screen. No tablet, no public computer to use. I am XXXX & have trouble seeing without help. I requested print out of XXXX credit agencies after seeing scores only online. For only 2 credit reporting agencies can I easily find my credit scores : XXXX  & XXXX. There are popularly found together. Not Experian. I finally found my Experian score and saw a notation that this 1 score was much less than my other 2 and a negative note saying " ... score dropped XXXX points ... ''. I never downloaded my reports because I can't see on my phone all the details I need to see! I asked for print outs of all 3 agencies and got them successful EXCEPT for Experian. By mail, they sent me a " denial letter '' claiming I already downloaded it. I didn't. With this upcoming refi, I didn't because I have limited storage on my phone, & I'm going to need it for my refi. I also am on a fixed income and can't afford a new phone or having storage problems with it. 
So, I followed Experian 's instructions and sent them the ID copies and why, as I explained here, & " ... because I suspect " fraud '' being the reason for their claim of " XXXX point drop ''. 
Now Experian responds by sending me an email, " Dispute Results '' and I have to click on small print and sift through Experian legalise on their online email message " terms and conditions ''. I can't read it easily and why is this becoming such a major issue with them???? 
All I need right now is my printed out Experian credit report! This is all I ever asked for.

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 2020-09-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-09-18
Company: Experian Information Solutions Inc.
State: TX
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:
There are multiple names appear 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 2021-03-31
Company: EQUIFAX, INC.
State: AZ
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:
I am submitting this complaint because Equifax has not completed an investigation or have failed to communicate back any status of an investigation with me since my dispute submission. On XX/XX/XXXX I sent a letter disputing inaccurate items found my credit report as well as a notarized id letter my driver license and bank statement. I never havent heard anything at all from XXXX. I understand with covid things may be a little backed up, but we are now over XXXX days since my request, and I havent heard a thing. I even sent a Follow up letter on XX/XX/17. I am now involving the CFPB because it now seems you are neglecting a dispute and is against the FCRA. You had legally required time of XXXX days. Please deleted these inaccurate items from my report. Attached is a copy of everything I have sent as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed account with all XXXX credit bureau and have not received any type of verification stating that I'm the owner of such account in question, also this negative unverifiable account is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made a purchase using the XXXX XXXX. The item cost more than the balance of the XXXX XXXX so I used my credit card to pay the remaining balance. I ended up returning the item I purchased and all of the money went back onto the XXXX XXXX. The card was locked by the company and they refuse to give me access to the funds claiming it was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: ACIMA CREDIT, LLC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Please take this off my credit. Not an accurate amount

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 2021-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have allays had my account set to automatic payments for 'statement balance ' and somehow they got switched to min payment. I have tried contacting Bank of America multiple times and can never talk to someone. I tried updating it on my own, after multiple tries I got it updated myself. I noticed that I had been charged {$18.00} in interest ( I am a balance payer ). Again I made multiple attempts to reach BofA and finally got someone on the phone. Explained situation, specialist in a nice way insinuated that I was in error or lying. Told me he would put in request to refund fee, put me on hold for XXXX min and then told me they would not refund. 

They are using unfair and deceptive practices.

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 2019-08-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase customer service refuse to help when XXXX XXXX XXXX charged my credit twice for same future service which is in XXXX when I disputed the charge they're saying you can't get refund from the service, because it's already paid, but they are charging me twice for same thing. And Chase customer service refuse to acknowledge the fact I'm being charged for twice and can't dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: National Credit Adjusters, LLC
State: WA
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:
This account that I am reporting was originally a short term payday loan I am a Washington State resident I went to Oregon state got a pay day loan for {$350.00} And some unexpected things happened and it wasn't paid then this account was added to my credit report which the original contract at that time did not state anything about Credit reporting the original company is called XXXX XXXX then just recently it was sold off to a company called NATIONAL CREDIT ADJUSTERS LLC This company never ever notified me of anything that they had purchased the account they never sent anything in the mail stating that they were going to add this account to my credit report there was no communications I had contacted XXXX XXXX collections department and asked them what happened and they referred me to the 3rd party company that has obtain the Debt And because of this tough time with covid19 Money is tight I had used Part of my stimulus money to pay this in full.. On XX/XX/XXXX it was paid in full Originally when I had contacted XXXX XXXX I had a verbal conversation and I told them if I was able to pay this account in full would they be able to contact the 3rd party debt collector and tell them to remove this off my credit report and they said yes but they said I have to contact national credit adjusters They referred me gave me the number I spoke to to people that day the 2nd person I had set up the payment it was processed and they have no other reason to report this on my credit report I have submitted multiple disputes and nothing has changed I have provided documentation to the credit bureaus supporting all the information is true that I gave from me contacting the original debt collector which was XXXX XXXX then they referred me to the other company to pay it and they are refusing to take it off and this is a big problem specially in This time of need because I have other bills that I need help with and this sitting on my credit report is really badd when it was added to my credit report my score went down Big time All I'm trying to do is get this removed and move on with my life because I did not receive any notifications from this company no phone calls no emails no nothing up until I contacted them pay them in full So if we can get this fixed that would be nice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have attempted modification request with my mortgage lender Wells Fargo ( WF ), recently and was declined for unjust reasons which will be outlined within. Im filing a complaint due to a decline letter dated XX/XX/XXXX, that was received from XXXX XXXX, which represents WF. 
WF, has flagrantly declined any options for my family to retain ownership of our primary residence which was acquired utilizing my Veterans Affairs ( VA ) benefits. According to the decline letter WF, has grossly misrepresented my monthly earnings in an attempt to not work with our family. We feel that this retaliation is also a result in part of a litigation matter that was brought against WF in XX/XX/XXXX. 
The income reflects two different amounts one amount is {$5600.00} and the second is for {$4500.00}. My actual income is just under {$6000.00}. I demand that there be another review in order for us to correctly identify my abilities to repay my loan. I implore your office to reopen a new review and allow us to provide the necessary documentation to reflect our true income as it stands.

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 2019-02-13
Company: Terrill Outsourcing Group
State: WA
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:
I keep on getting calls from XXXX XXXX I dont have anything in collections and they keep on calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Experian Information Solutions Inc.
State: DC
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:
On XX/XX/XXXX I was notified that I had a new credit inquiry from XXXX. I did not try to open an account and called XXXX who confirmed an account was not opened. I want this inquiry removed from 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 2018-10-08
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
checked my credit reports and found a few Derogatory marks in the beginning of the month that I do not recognize XXXX XXXX XXXX. When I called they could not verify my information and/or provide information about the debt claimed that I owe. On my credit reports it shows that I owe them XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been contacted at least 5 times a day for over a year from several different numbers that all start with XXXX * I have stated every time that the debt has been paid and also I have faxed over that the debt has been paid * I was informed by this company that the debt is still owed and I may have paid a scam company and that's on me but the debt is still owed to the company that is contacting me now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: American Coradius International LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
American Coradius International LLC sent me a debt collection notice for their client XXXX. I do not have a XXXX account, never did, and never buy anything that would offer an option of XXXX. The amount is {$110.00}. There is no date of transaction or description of item purchased. This is the first notice I have of this " debt '', having never received a phone call or bill from XXXX. It went directly to a debt collector. " If I act before XX/XX/2020, they will accept {$88.00}. '' I tried calling XXXX, but they have no phone customer service " because of the corona virus ''. I went to their website, but can not get past the first screen which asks for the member 's account No. and password. I have no account number. That is the problem. When I XXXX ACI debt collection company I saw similar complaints about this debt collector and XXXX. The address of ACI is XXXX XXXX XXXX, XXXX, TX XXXX. XXXX was started by XXXX XXXX of course. I have reported this problem to U.S. Senator XXXX and state senator XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently looked over my credit report and realized some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ), the credit reporting agencies have illegally assumed this role without MY permission not only that I NEVER GAVE them my consent to report this information to anyone. They did not respect my right to privacy which is clearly state in 15 USC 1681 ( a ) ( 4 ). The credit reporting agencies have NOT exercised their grave responsibility, they were unfair, they were partial and because of that they each have violated my consumer rights. The credit reporting agencies have NEVER had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed your company to furnish this report and I never consented to this report in the first place.

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 2020-11-15
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I transferred money to a person on the phone, who I did not know, but sounded genuine. I did not receive the goods he promised, and I am out {$300.00}. Yea, this was a mistake. 

My wife and I have been customers with Chase for many years, and not only did they state that I had NO recourse whatsoever, the Lady I spoke with at Chase was extremely rude and her manager was the same : XXXX, unhelpful, and condescending. 

Currently, my wife and I have over {$80000.00} in our savings account with Chase, and I feel like I have no help, backing, or protection from this bank. Ive felt this way for years. 

At any chance Chase will nickel and dime me for any small fee or overdraft, but the minute I need something from them, they shut their doors. 

If this situation doesnt get rectified, I will be moving my money over to a virtual currency, and out of the banks, as the banks are too powerful, get government bailouts too often, and dont actually add protection to loyal customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Experian Information Solutions Inc.
State: MD
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 think someone tried to use my information to purchase credit cards. And Im not the person that applied for it. I would like to have all inquiries that i didnt put on my credit report deleted.

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 2020-08-25
Company: MARINER FINANCE, LLC
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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