BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-10
Company: Square Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Square is holding {$660.00} due to a dispute. However, they refuse to return my funds even after the dispute was resolved in my favor. They also attempted multiple ach transactions to collect a fee on that same {$660.00} transaction, which doesnt make sense if those funds were suspicious at the time. This resulted in my bank closing my only mainstream account. Square also closed my merchant account and makes it impossible to talk to a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: MI
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: Personal information incorrect

Complaint:
I disputed some trade lines on my experian report.The report number is XXXXExperian sent the results to my old address ( XXXX XXXX XXXX XXXX XXXX XXXX Mi.,XXXX ) .I moved away from that address over a year ago.My new address is XXXX XXXX XXXX, XXXX MI.XXXX.This new address is on my experian report.I dont know why Experian sent my private information to my old address.Luckily,  The people at my old address contacted me.I have disputed other items in the past on XX/XX/2020 report number XXXX, and the results was mailed to my current address XXXX XXXX XXXX, XXXX MI.XXXX.Therefore, My current address is XXXX XXXX XXXX, XXXX MI. XXXX.All experian results SHALL be sent to my current address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Navy Federal is in Violation of 12 CFR for discriminating against me using my race, age, national origin, color, and sex to determine whether I get a credit limit increase for an account that to my knowledge is not for a special purpose credit. They have refused to respond to me since I have began communication with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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 a letter to the 3 Credit Bureaus last XXXX XXXX, 2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Peter Roberts & Associates, Inc.
State: MA
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:
Ive tried calling this debt collector on multiple occasions to let them know I have already paid this debt and they have no cleared the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX All these accounts were proven as fraud along with equifax has done nothing to fix it they have not once reached out to any credit card company on my behalf to dispute any information and this was confirmed by all the creditors up top above this statement. I personally called the creditors after 2 years of thinking the credit bureaus were on my side and they were not they are a bunch of XXXX frauds from other countries who tell you anything to get off the phone and never I mean never have a explanation as to whats going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I requested proof of standing that I was paying the correct servicing company. I also requested full disclosure and complete accounting history of the alleged debt, however I have been continuously harassed by alleged agents coming to my property without prior notification which has been highly embarrassing and degrading. Please have this company to comply under the FCRA/FDCPA and truth in lending act or void this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: JPMORGAN CHASE & CO.
State: NJ
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 has not resolved my dispute with a merchant that owes me credit. Chase incorrectly disputed the wrong item with a different date, Dispute was lost as Visa had determined the documents referred to an item with a different date. Chase did not call me back nor bother to fix the problem. This issue can still be fixed as outlined in my documents attached. Chase mishandled my matter and I plea and demand this matter be resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX XXXX reported to Transunion that I was late on a payment either in XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. XXXX originally had removed these late payments due to an error. As of yesterday that added these late payments back to my credit report even though the date range is from XXXX and XXXX. They should not be able to add late payments from almost 2 years ago on my credit report especially since they were already deleted from my XXXX  report. This is an unfair and unacceptable practice.

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 2022-11-23
Company: EQUIFAX, INC.
State: AR
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXXXXXX XXXX XXXX  Account name : # XXXX XXXX Account name : # XXXX XXXX XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX., does not own debt and is not authorized under XXXX to collect on debt correct amount {$150.00} as evidenced with incorrect collection amount XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I did not see my automatic payment come out of my account in XXXX, so I emailed them. Pentagon Federal said I had paid them. I knew this draft did not occur so I called them. They said it was fine, paid. 

I called them again after I noticed it was reversed. They said I had the wrong number in for the account, and that they would correct it. 

The payment went through but again was reversed. I called again today XX/XX/XXXX and they think they have my XXXX payment correct but still are working on my XXXX payment. Both the latest attempt to pay XXXX and XXXX were reversed XX/XX/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 monetary relief
Consumer complaint received 2023-02-11
Company: Experian Information Solutions 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:
Each of 3 Credit Bureau 's received credit report updates on my student loans Theyve been paid off My credit score did NOT ho up like many others I continue to have a score thats classified as " poor '' and below 600 and Im not able to secure any credit despite the bureau 's sending me recommendations on Credit cards in last 60 days to Build my credit. 
The information is mismatched. Also, XXXX and Experian show me LATE on 14 student loans But my loans are PAID to XXXX balance And while on my credit they were in Deferrment This is making a challenge to get any credit I apply for I also work with a system called XXXX I unlike my colleagues keep having IT issues impact mywprk under my pprofile I addressed this but the credit bureau denied their being linked onto my credit profile. 
I had a FREEZE on my credit file and despite that they permitted XXXX to PULL my credit. 
I asked their accounting dept and they said they dpnt know how their compuer ne system let that inquiry happen but they also concerned about HIPPA policy. 
Every single time I request credit access into XXXX, My Login credentials Do Not work I always hace to stop and call in and redual ex after hang ups and finally talk tp a rep Today a rep had to HELP me get access to my acvount to manage a freeze and it took me 45 minutes on the phone to gain access This is Typical pattern for ME when I sttempt to do anything with my own XXXX reports At times it happens with the others Adfitionally they continue putting a OLD Emploer on my profile from another state This practuce has hone on 5 years for one business and 30 years for a NY Tax credit company I worked at as a part time Temp 1 yr after graduating high school!!!! 
Another is one I had a on job complaint n case with

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 2019-04-15
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received notice from the United States Bankruptcy court of New York on the face that Ditech XXXX XXXX filed for Chapter XXXX bankruptcy. I have seen on the document that Ditech sent me that the balance of my mortgage is XXXX. I have also noticed that the interest rate that I am being charged is 4.75 % ( which is above the market rate ) and the term is 30 years. I have a concern that after making 3 payments that the actual trial payment for the last 2 months was a total of XXXX per month. After reviewing my records I found that my original payment for the last 7 years was XXXX per month. Based on the payment they have given me I am now XXXX over my old payment. This is not what the modification regulations state, it was supposed to get me an affordable plan and lower then what my old payment had been. Ditech has received XXXX as a partial claim on my FHA mortgage insurance and yet they have made my payment higher then the old payment. I have enclosed an amortized plan using 4.25 % which is closer to today 's current market rate of 4.00 %, I also extended the term from 30 to 40 years which can be allowed as per modification regulations, this reduces my payment by XXXX per month and puts my modification on a permanent basis below my old payment, this is what a modification is supposed to do. 
When I contacted the Bankruptcy Court in New York and told them about my modification, the fact that you Ditech has received a large sum of the mortgage from FHA ( XXXX ) and that they increased my payment instead of reducing it I was told to send this letter requesting a reduction and to fill out their bankruptcy claim form and include a copy of this letter.I was also told that if my payment was not reduced, i was to activate this claim and send a notice to the United States Bankruptcy Court XXXX   District of New York.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: National Credit Adjusters, LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received an email this morning from XXXX stating legal action will be taken for debt owed to XXXX XXXX XXXX. They had my personal info including name and SS number. I closed and paid all my dues to XXXX XXXX nearly 10 years ago. I know I do not owe them anything. I check my credit report weekly and have never seen anything pop up from XXXX XXXX or another collections agency. They didn't give any specifics to who they were and signed the end of the email as 'Sincerely, National Credit Adjustor '.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: TX
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:
Experian has used improper use of my report as well as inaccurate information : 15 U.S. Code 1681i Treatment of inaccurate or unverifiable information : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. Code 1681b - Permissible purposes of consumer reports : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681- Congressional findings and statement of purpose : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2019-04-15
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We reduced our coverage amount because our XXXX XXXX balance is XXXX and our Home Equity balance is XXXX.I feel {$200000.00} for the dwelling is adequate amount for the flood insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Experian Information Solutions Inc.
State: SC
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 DISPUTED THE FOLLOWING WITH EXPERIAN : REPORT # XXXXXXXX XXXX XXXX ACCOUNT {$960.00} ( FRAUD ACCOUNT ) XXXX  XXXX HARD INQUIRY DATES XX/XX/XXXX & XX/XX/2018 ( UNAUTHORIZED HARD INQUIRIES ) THE XXXX XXXX {$580.00} ( FRAUD ACCOUNT / NOT MINE ) PREVIOUSLY FILED WITH THE CFPB AND COMPANY STATED THEY WOULD DELETE FROM ALL ( 3 ) MAJOR CREDIT BUREAUS. THIS ACCOUNT STILL REMAINS! ON MY XX/XX/XXXX CREDIT REPORT & MY EXPERIAN/XX/XX/XXXX CREDIT REPORT. 
**EXPERIAN UPLOAD DOCUMENT WEBSITE HAS A GLITCH AND STATES THAT YOU NEED TO MAIL DOCUMENTS TO : EXPERIAN XXXX XX/XX/XXXX XXXX XXXX TX XXXX ATTN : FRAUD DEPARTMENT. ** THIS IS A STALL TACTIC TO ME. THAT'S WHY I DECIDED TO UPLOAD THE DOCUMENTS TO SUPPORT MY CLAIM VIA THE CFPB COMPLAINT WEBSITE, TO IMMEDIATLEY REMOVE THESE ACCOUNTS.

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 2023-04-05
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2019-04-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2019 I was a victim of fraud. I purchased tickets off of XXXX and paid through XXXX via my Chase checking account. Within an hour of the transaction I discovered the transaction was fraudulent and attempted to stop the money transferring, but soon learned I could not and that there is no consumer protection for this. I called the banks 24 hour customer service who further validated this. The transaction was still showing as pending when I called, since it was a Sunday night, but the woman I spoke with, XXXX, said that there was no way to stop the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i called the collection company they did not have my name correct or the address or the phone number. i told them the account is not more. they are reporting the account was open XX/XX/XXXX then when i called they said the account was back in XXXX. 
XX/XX/XXXX XXXX the compant name is i.c system they want me to pay they collection agency.

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 2021-09-24
Company: MONEY SOURCE, INC., THE
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received two separate letters claiming the homeowner insurance 's property address is different from the property address on record with the The Money Source ( a.k.a. TMS ). First letter was dated XX/XX/2021 and the Second letter was dated XX/XX/2021. Both letters seem to be the same form letters except the Policy Number is different between the two letters. First letter had the correct XXXX XXXX homeowner policy number. Second letter cites a Policy Number that I have no record of. I have revised my XXXX XXXX homeowner policy in accordance with the First letter and faxed over the revised XXXX XXXX decpage to TMS on XX/XX/2021 via Fax number XXXX. I am at a complete loss on how to respond to the Second letter with a Policy Number that does not match my current homeowner policy. What is TMS asking me to do with regard the Second letter?

Company response to consumer: Closed with explanation