BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-27
Company: Experian Information Solutions 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:
Under the new law effective XXXX XXXX, 2017 it has been determined that any public record data must include name, address, SSN and Date of birth in order to be reported on your credit file. The credit bureaus has failed to update this information and per the new law, The Bankruptcies should be deleted from all 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 explanation
Consumer complaint received 2022-02-04
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX, XX/XX/XXXX, to my utter shock I open my chase mobile app as I am going to pay my credit card bill from my personal account and my personal bank account is not showing up. My business accounts are still available. I call the local branch to inquire and they say I have to call a number theyll give me or come into the branch. They cant provide any other info over the phone. I decide to stop everything Im doing and go to the branch as Ive been unsuccessful in the past resolving things online or through the phone. I go to the branch and sit there for about an hour while the branch manager calls Loss Prevention. In the end, he tells me Chase closed the account for fraudulent activity. I ask him what fraudulent activity. A check I deposited - settlement check from an attorney awarded to me because of a car accident - almost {$13000.00}. At first the branch manager doesnt want to see the paperwork, finally he reviews the paperwork, he speaks to the representative on the phone with no success. I ask him why they didnt hold that check but allow me to access my other funds. He says Chase would have sent me an an alert through the mobile app or sent me a letter. No letter anywhere to be found. I cant access any alerts or information from my personal account on the app. Then he says the letter was sent on XX/XX/XXXX. Theres nothing he can do. Chase can close any account at any time. He suggests I go to any chase bank with the person who issued the check to clarify the situation. I feel chase profiled me, had no respect for my rights, and treated me unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX This account has many violations and inaccurate information. The dates reported on all bureaus are different. The dates of last activity for all 3 bureaus are different. The last payment for all bbureaus are different. This account is violating my consumer rights and must be deleted immediately.

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Equifax had a massive data breach affecting 140M+ Americans on XXXX XXXX. Not only did they take over a month to alert the public, but executives were in the news for having sold their stock the day before the announcement. They demonstrated a reckless disregard for information security and their customers* ( *Nobody has any choice about what data they gather or store, as it is basically impossible to function in modern society without credit ). 

It has also been reported that there 1 free year of credit protection they are offering to Americans who may have been affected includes a clause that waives your right to join a class action lawsuit. Americans should not have to pay to freeze their credit, especially given the potentially catastrophic impact this breach could have on an individual 's finances. Also, credit reporting firms ( XXXX and XXXX included ) should not be exploiting this breach to market their credit protection services. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am coming to you to talk about an account listed under my name and social that I noticed is not mine. I have sent several letters to the company XXXX XXXX XXXX and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have mailed letters to XXXX, XXXX, and Transunion several different times. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that once the consumer states the account is not theirs it is to be removed. Also valid proof of the account ownership is to be given as well. A 3rd party company can not speak for a person or consumer so responding with a automated response is violating the law. I noticed some added addresses not associated with me that popped up on my credit report and a late payment that surely never happened on my XXXX 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 non-monetary relief
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: IL
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:
Hello I noticed late payments on a few of my accounts and it has been XXXX trying to get them corrected. The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. The accounts XXXX XXXX XXXX XXXX are showing late payments when I have stated they were never late. The XXXX account is showing the account # XXXX three separate times and there should only be one whole account. Experian, XXXX, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.

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 2017-07-27
Company: BMW Financial Services NA, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
BMW Financial posted a 30 day late on my credit report for XXXX, XXXX and XXXX. My payments were made on XX/XX/XXXX. I posted two separate payments as my first payment was incorrectly entered as {$240.00} on the BMW system. I then went in soon thereafter and posted another payment for {$400.00} to ensure my acct would be current also on XX/XX/XXXX. I then received a call on XX/XX/XXXX indicating my acct was still past due as only the {$400.00} was entered in the system. I then immediately made the payment. I was always under the assumption that both of my payment had been made as I had received the confirmation email from BMW.
I sent a letter to BMW with confirmation of my email confirmation as well as the debit from my bank. BMW denied the confirmation and stated that it was incorrect even though I sent proof of the email as well as where the debit had taken place on my account. BMW asked me to dispute the amount with my bank as they had never received it. I put a dispute in place with my bank account and asked BMW to at least remove the 30 day late from my credit as the error had been on their end and as a goodwill as I have been a good customer. They once again denied everything and told me they would not remove the 30 day even after providing all the proof. I am asking that they remove the 30 day late from the 3 credit bureaus as i am unable to qualify for a good rate for a home loan that I am pursuing. Even though i urged them, they are not cooperating and when I ask to speak with management they tell me there is no one in that department i can speak with because they do not take calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: BMW Financial Services NA, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY WALLET ALONG WITH MY PERSONAL INFORMATION AND OBTAINED CAR LOANS, HOMELOANS, MEDICAL AND ETC. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2016 XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am currently in a lease with XXXX, but I am falling behind on car payment. Trying to talk to them about this issue but it seems that they don't want to help. Despite of making 3 months of payment within one month, I was charged with some repossession fee for no reason. Wish they could make a deal and take the car back. The car itself is probably defected. Oil smells like gas and experienced transmission problem at about 9000 miles

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requested the reporting information be verified and validated to identify the responsible party of this debt. The verification and validation would include identifying information. With accounts such as mobile carriers in order to open an account, the responsible party must be XXXX years old, provide an valid state ID and sign a binding contract. Requested documents did not provide any of that information and the request is being denied and refused. It is important that the requested information is supplied which will accurately prove who is responsible for this account. 

If either party does not want to furnish this information than the reported information must be removed and deleted. 

Equifax supplied a phone bill cycle with different account numbers which does not validate nor verify who this account belongs too. This is not an original signed and dated agreement or contract with the signature of XXXX XXXX and does not contain a valid ID, required to obtain this kind of account. 

All of this is very important because XXXX would have been XXXX years old according to some of the dates already provided in these responses. 

Equifax XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided 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 non-monetary relief
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 and Transunion along with other companies XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX have listed fraudulent information on my credit report. There are employer information for places I have never worked. Addresses listed that I am not associated with. People are out here thinking of taking their lives solely based on the pressure the credit bureaus put on them for reporting false information. I can only imagine the many people like me with similar issues and the bureaus literally do not care. I am taking this all the way to the boss of the boss of the boss of the bureaus and I am charging for each violation. Many letters and phones calls to these above companies and they have yet to correct the problem.

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 2019-09-27
Company: Caliber Home Loans, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Caliber Home Loans is erroneously reporting two ( 2 ) thirty ( 30 ) day lates on me and my wifes credit report, which caused me not to be able to refinance my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Experian Information Solutions 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:
Ive contacted the credit burea 4 times in writing with certified mail asking them to provide status on bankruptcy on my credit report. They said XXXX XXXX verified, which XXXX XXXX  does not show any bankruptcy on my credit file. they have lied and said the court house told them I have a bankruptcy, which is a LIE and wrong, because the courthouse sent a letter saying i do not. I sent the burea a copy of my report and they still have done nothing and say its verified. this is costing me thousands in interest rates and denials. I am getting really frustrated by Experian lying about this constantly. 

there is no authorization needed. they have to stop lying and hurting my credit. this is wrong

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 2021-12-23
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint put forced placed insurance on my account despite my lnsurance has never lapsed They illegally charged me semi monthly insurance premiums XX/XX/21 they charged me {$2300.00} XX/XX/21 they charged me {$130.00} XX/XX/21 they charged me {$120.00} XX/XX/21 they charged me {$120.00} XX/XX/21 they charged me {$120.00} XX/XX/21 they charged me {$120.00} XX/XX/21 they charged me {$120.00} XX/XX/21 they charged me {$120.00} For a total of {$3200.00} in forced placed insurance On XX/XX/21 I received a credit of {$840.00} On XX/XX/21 I received a credit of {$710.00} On XX/XX/21 I received a credit of {$1600.00} For a total credit of {$3200.00} Also on XX/XX/21 the same day I received my final credit Shellpoint illegally changed my fixed rate FHA XXXX XXXX XXXX XXXX from a fixed rate to a rears rate then changed my payment from my Reg monthly payment of {$300.00} per month to {$440.00} per month Is this legal??? they give me a credit for their illegally forced placed insurance then increase my monthly payment on the same day That's an increase of {$140.00} per month. 
for the 17 months I have left on my loan They gave me a credit on my account even though I requested a check They illegally changed my payment amount to compensate themselves for the credit they had to give me Can they legally do that

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 2019-09-27
Company: JPMORGAN CHASE & CO.
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:
I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with XXXX XXXX in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : CHASE CARD # XXXX. Opened Date XX/XX/XXXX, Balance {$0.00}, Limit {$1600.00}. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Bass & Associates, P.C., Attorneys at Law
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Student loan Department keep sending different payment centers from different parts of the country after a loan that was paid. This time they sensed a law firm Bass & Associates Entity # XXXX Address XXXX XXXX XXXX XXXX ; Pa XXXX On XX/XX/2019 I sent a Cease and Desist letter to Bass & Associate 's with the same pay off letter that you have on the last complaint. I send letter by green card -XXXX.I received card back without signature because they are a Law firm  they're response wasn't correct. They will try act like they didn't receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I canceled XXXX XXXX XXXX XXXX in XXXX after a 2 month period due to excessive monthly increases and retained another Auto insurer. They are charging me for a month I was covered by another Auto insurer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: JPMORGAN CHASE & CO.
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:
I received a fraud text from chase. I responding saying now it wasnt me. Someone went into chase branch and withdraw amount of {$2800.00} and I have been calling chase customer service and been complaining the last month and half and they are all giving me the run around. At this point I feel like I have been robbed by a cooperate company and I cant do nothing about it because I cant afford to take them to court. I really need help getting my funds from chase. Even provided them a XXXX Police Report as they asked and still they wont help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Experian Information Solutions Inc.
State: NV
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:
Under the new law effective XXXX XXXX,2017 any public record data must include name address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted 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 2019-09-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at approximately XXXX, I used my Chase Bank mobile app to send $XXXX via XXXX with XXXX to a concert ticket seller. The money was sent and by XXXX I had not received the tickets as promised via XXXX. I determined I was scammed. I called Chase immediately so they could reverse the transaction and they stated they could not make the reversal because it had already been taken out of my account. They also refused to help me reach out to the bank where my money was sent to. Lastly, they stated to me that even though I used their mobile app (Chase.com), they have no recovery rights or obligations to retrieve my money because it was done through XXXX. My issue with this is obviously the money that was taken, but the fact that they have an unsecure form of payment on their app and allow their customers to use it without making them accept any type of terms or conditions prior to sending a payment. I need to have my money returned to me and Chase has been of zero help. I called XXXX and there is not an option to speak to a real person. If you select the option that states you use the app through your bank, the recording tells you that you must call your bank for issues and they cannot be of any help because of “privacy”. So the buck is passed yet again. I have filed a police report about this incident that is attached with this report along with my proof of the money sent.

Company response to consumer: Closed with explanation