BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: JPMORGAN CHASE & CO.
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Financed the remaining balance of my lease with XXXX XXXX XXXX on XX/XX/2023. XXXX XXXX aka Chase show the balance paide off on XX/XX/2023. I was told that they needed a new copy of the odometer documentation. That was sent by XXXX. XXXX received " I filled out an online form of same. Did not hear anything else. Meanwhile, XXXX team reaches out to Chase multiple times but they refuse to discuss situation with them even though XXXX now owned the financing. I knew nothing of these conversations until my loan rate increase to 21 % as of XX/XX/2023. I contacted XXXX, contacted Chase. Visited the XXXX XXXX on XX/XX/XXXX and the branch XXXX printed out the entire loan package including an confirmed correct odometer reading. I took the package to XXXX that day and confirmed that it was signed for on XX/XX/XXXX. Expecting the title, I called and was told XXXX XXXX XXXX up to XXXX weeks. It was already XXXX weeks from receipt. Spoke to a supervisors, XXXX, ID XXXX and then XXXX ID XXXX. XXXX discovered that the title had still not been released because they did not have the Colorado Tax form. That had never been mentioned. Last week I got on the phone with Chase again with XXXX 's XXXX. She sent the Colorado XXXX for to XXXX and the title company. I called today and now they are waiting on the response from the CO XXXX XXXX. Meanwhile I wait with not XXXX. I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm sending a complaint in accordance with the Fair Credit Reporting Act 's guidelines to ask that the accounts, which I believe to be erroneous and incomplete, be looked into right away and REMOVED on my credit report. I think Transunion has not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. I am not legally responsible to pay the credit card bill or any debts that build up as an authorized user. This information seems to be confusing. I need this to be removed immediately! 

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 non-monetary relief
Consumer complaint received 2023-10-10
Company: EdFinancial Services
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
On XX/XX/2023, I repaid my student loan in full through EdFinancial for the amount of {$8000.00}. Originally my loan is only {$8000.00}, but they sent an email saying they would begin due dates in XXXX once interest began again starting XX/XX/2023. So, I paid the loan in full plus interest to avoid any more interest accumulation. I have a confirmation email showing the confirmation number stating the loan was paid in full. When I checked my account days later through my account on EdFinancial ( on XX/XX/2023 ), it said the payment has been reversed. I have received no notification showing that the payment was reversed and if I never checked than I would never know. Now I have accumulated even more interest. I will not be paying anything past the amount from XX/XX/2023. This is happening to several people across the U.S., please help me resolve this issue and be done!

Company response to consumer: Untimely response
Consumer complaint received 2019-07-22
Company: EQUIFAX, INC.
State: VA
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 at : XXXX involving case : XXXX is incorrect. The account remains open according to the U.S. Office of Personnel Management.  The account has a {$0.00} balance. The account was closed as satisfied BY ME, THE OWNER, THE ACCOUNT OWNER. Let 's do this again for the third time. The account was open and remains open per OPM on or about XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2019-07-22
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Repeated calls from Midwest Recovery using different phone ID information and numbers. Trying to collect a debt from someone I do not even know. Have nicely asked four different times to do not call this number because the person they are looking for I do not know. I was assured the number would be removed. They called the other day and my Pastor was visiting and they started out on the answering machine they were a debt recovery company. VERY EMBARRASSING! I am retired and do not owe anybody anything. They called again today same thing. I called back and I lost it. I was not very nice to the person I got, but I did not cuss but was firm. Your company needs to a better job of getting the phone numbers for the correct people they need to contact. I'll be dad gum if they did not call back again within 1 hour this time caller ID showed a pay phone. This is harassment!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MI
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:
Equifax security breach exposed my name, Social Security number, birth date, address and drivers license number as well as Credit card numbers possibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CITIBANK, N.A.
State: ME
Product: Credit card
Sub-product: Store credit 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:
Hello, In early XXXX Macys ( Citibank ) contacted me regarding a charge on my Amex card with them for a purchase with XXXX. I responded stating the charge was not mine and nor was the XXXX XXXX charge of {$43.00} for a charge on XX/XX/2023. They marked my card as lost/stolen and then issued a new card. Once I received the new card I went to activate the card to use at the store. That is when I noticed a balance of {$43.00}, I called to inquire why there is a balance still for the XXXX XXXX charge. They stated they had no record of the dispute, but would register my dispute, mark this new card as lost/stolen and issue a new card. I logged on to my account on Monday XX/XX/2023 to yet again find on the new card the {$43.00}, {$29.00} late payment fee, and a {$2.00} minimum interest fee. I can not seem to get them to understand the charge is not mine! The keeping issuing new cards and transferring the charge to the new card, plus now adding fees. They stated they will stop the collection calls as the charge is in dispute, but they are not taking care of the matter at all!

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 2022-09-09
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
YOU BROKE THE LAW!!! 


This letter is to inform you that I recently received a copy of my consumer report that your company publishes and after reviewing it, I found a number of items on my consumer report that are inaccurate. The accounts in questioned are listed below. Please send me copies of the documents that you have in your files as of this date that you used to alleged verify the accuracy of the accounts listed on my Consumer Report. 

Under the Fair Credit Reporting Act, 15 U.S.C. *1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report file. Please do not respond to my request by saying that these accounts have been verified, because I do not have the documentation that you claim to have used to verify the accuracy of the accounts in question. Send me copies of the documents that contains my hand written signature acknowledging the below listed accounts. If you do not have any documentation in your files of these now disputed accounts, then you need to delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my consumer report and distributing them to third parties you are damaging my reputation and credit worthiness. You are furnishing consumer information on an account where you infringed upon my rights pertaining to privacy. According to 15USC 1681 the Transaction was private and was solely between the person and myself.

Under the FCRA 15 U.S.C*1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you will remove these accounts from my consumer report. 
You need to provide me with a copy of an updated and corrected copy of my consumer report showing these items were removed, I demand the following remove all the credit inquires not attached to verified accounts. I did not authorize anyone to run my credit. 

According to Burden of Proof Under the Fair Credit Reporting Act, 15 U.S.C.1681e ( b ) ) requires that a credit reporting agency follow " reasonable procedures '' to ensure maximum accuracy in credit reports. It is a matter of National security when a consumer who is apart of the Country 's XXXX XXXX privacy is violated and or breached.

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 2017-09-08
Company: EQUIFAX, INC.
State: CA
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 found out today, XX/XX/XXXX, that Equifax may have leaked my social security number onto the internet. I used Equifax 's free tool to see if my social security number may have been affected, and their tool indicated that it may have been affected. I placed a Fraud Alert with all three of the agencies moments ago onXX/XX/XXXX. I attempted to retrieve a free copy of my annual credit report from all three companies today, but was unable to do so. As such, I am mailing in a manual request form to the three agencies to get a copy of my credit report from each of them. This manual request is being mailed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a mail invitation to apply for the Chase XXXX XXXX XXXX, addressed to my business name ( XXXX XXXX XXXX ) with a QR code to scan. I read everything on the advertisement to make sure there was no mention of a credit pull on personal credit. Went through the application process, read the disclosures there, still no indication that a hard pull ( or any pull ) would occur to my personal credit. When I applied, I was denied ( they had stale information from XXXX, which factored in the decision, and I should also note that I didn't care about the denial ) and then I started getting alerts from the various credit monitoring services I use that there was a pull on my credit. I called Chase immediately and conversed with XXXX operators, who said that this was " just the way they do it ''. I asked for the disclosures and how I was supposed to know that they would perform this action and they could not point me to anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This item is reported late, yet it is closed and the balance is XXXX as reported in Transunion. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct this account below : XXXX 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 non-monetary relief
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have sent several letters to TransUnionXXXX, and XXXX inquiring about information/accounts listed on my credit report that is inaccurate. I have asked for the account/information to be verified several times via the letters I sent. I also asked that they please send me copies of the documents that you have in their files as of my last letter that they used to verify the accuracy of the accounts on my credit report. 

They have continued to send me a response stating that the accounts/information was updated and verified but have not sent any supporting documentation. 

I did not ask for anything to be updated. I asked that the inaccurate accounts/information be verified.

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 2019-07-22
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Loan company applied an escrow account for back taxes but the taxes had been paid in XX/XX/XXXX. They them raised my loan payment by {$1100.00} per month. Said loan company was refunded the overpayment of {$7400.00} in XX/XX/XXXX according to the County of XXXX XXXX. This refund was never applied to my account but the refund was verified being received by their tax department. I called the company several times and the amount was of the refund was supposed to be applied to my account. This was never done by their representative XXXX in customer relations. I now owe a {$12000.00} in erroneous charges because they didn't remove the escrow account until XX/XX/XXXX. I  have called this company several time to talk to XXXX but am told that he can not receive incoming calls but they will email him the message and of course he never calls back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 my Credit Score dropped XXXX XXXX XXXX XXXX XXXX is reporting false on a account thats on auto pay & the balance is decreasing every month

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2019-07-22
Company: EQUIFAX, 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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT THAT HAS BEEN REPORTING AS A DEROGATORY AND HAS BEEN CAUSING SERIOUS DAMAGE TO MY CREDIT. PLEASE HAVE THIS NEGATIVE ITEM OFF MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with XXXX I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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:
I XXXX XXXX AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681.

EQUIFAX IS A GOVERN BY 15 USC 1681. AND THEY HAVE VIOLATED MY RIGHTD NUMEROUS TIMES. I DEMAND THE FOLLOWING ACCOUNTS LISTED BELOW REMOVED BECAUSE ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
- XXXX XXXXXXXX - XXXX XXXX PLEASE REMOVE THESE ACCOUNTS ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
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:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation