BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
Company: Experian Information Solutions Inc.
State: VA
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:
My personal information was exposed in the XXXX, XXXX XXXX and XXXX data breach. And on XXXX/XXXX/22 a account from XXXX XXXX XXXX prime loan credit builder was open without my permission and reported to my XXXX, Experian and XXXX 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 non-monetary relief
Consumer complaint received 2021-12-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On or about XX/XX/XXXX I completed a settlement agreement with Chase Card Services, ( Chase Bank ), initiated by Chase, to pay a portion of the outstanding debt related to my credit card. In return, Chase agreed to forgive the remaining balance on the account. I adhered to the terms of the settlement agreement and the account was closed and I was no longer indebted to Chase. Effectively, I agreed to Chase 's proposal, my remaining debt was forgiven, my account was closed and I now did not owe anything to Chase. In fact, my relationship with Chase was terminated at this time. 

On or about XX/XX/XXXX I entered into a refund arrangement with merchant XXXX to return an item purchased there in XXXX and they agreed to issue me a check for the refund. They mistakenly credited the refund to my closed Chase credit card account and Chase accepted the funds. The amount of the refund is {$1700.00} ( transaction id # XXXX ). 

I contacted Chase and spoke to supervisor XXXX, id # XXXX and was told that Chase would not be returning the funds to me or XXXX but would instead be using the funds to settle outstanding debt on the account. I contacted other depts at Chase ( Fraud dept, payments dept, recovery dept ) and was effectively told the same thing. I believe that Chase is not entitled to do this because, per our settlement agreement, I have no outstanding debt to Chase to settle and these funds were clearly being sent by XXXX with the intention that they would be received by me with Chase operating as my agent. These are the issues : 1. Misappropriation of funds/theft : Chase is intercepting/withholding funds belonging to me under the auspices of settling a debt that I do not owe. 

2. Fraud/bad faith : Chase accepted the transfer of funds from XXXX that were meant for my benefit using an account that has been closed for more than one year that I have no access to or control over. Chase should have rejected the transfer because the account was closed. Chase should have disclosed to XXXX that the account was closed and that the funds would not reach the intended recipient ( me ). 

3. Breach of Contract/ethics : Chase had entered into an agreement to settle the account and forgive the outstanding debt if certain conditions were met. Chase is now, effectively, ignoring that contract and re-writing the terms of it. 

I expect Chase to reimburse the funds that belong to me from the XXXX refund. In spite of my request for documentation supporting their claims, Chase has not provided any evidence in writing or contractually or through disclosures that supports their opinion that these funds belong to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
State: OK
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 have had a consistent issue with credit reporting agencies. For one XXXX won't allow me to get a free credit report unless I pay their subscription fee I have tried to get one through free credit report.com and it will not allow me to pull one. Also, my XXXX XXXX XXXX account is constantly reported as inaccurate. Just recently after a dispute they have reopened my account on my credit report which is a flagrant violation of the FCRA as they are attempting to re-age/keep the account open longer and change factual information related to the dates. I have submitted a 609 and 611 letters to XXXX and Experian they both ignored the 609 letter requesting sources of information used and to provide those to me. ALSO I submitted a 611 letter just recently demanding they provide me the sources of contact etc used for their investigation Experian no longer lets me submit disputes on the account and tries to prevent me from disputing it at all. The account in question has repeatedly opened and closed the account attempted to re-age and reports incorrect balances on all bureaus resulting in financial hardship resulting in denial of Mortgages loans etc when I would otherwise be able to attain these loans. I understand the account is on their for a reason BUT they flagrantly try to ruin and destroy my credit through shifty and shady means and the credit bureaus illegally are allowing this to happen. Also, I have tried a credit repair companies several to say the least to fix the issue and they flat out told me they will not process disputes because I use a thrid party and they believe the disputes are fraudulent as it is not me. Whereas under the FCRA it is my right to use a third-party credit repair company at my leisure and I am well within my legal right to as well. Please look into and charge/fine the 3 bureaus for failure to follow federal law under the FCRA as they refuse to help consumers and only strive to help creditors ruin and damage a person 's credit report to try and force them to pay a time-barred debt. ALso clarifying that XXXX will not allow me to access a credit report and or allow me to dispute any items except through XXXX XXXX unless I pay their XXXX monthly fee or they have illegally locked me out due to the fact I did use a third party credit repair agent to try and fix items under my behalf such as XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have had an account with PayPal for years. They already have my SSN, address, phone number, credit card information. Now they have limited my account access and want a photo driver's license and a utility bill. This is too much. Then PayPal tells me I can't cancel my account! I found postings on the web from 2008 from customers PayPal attempted this with and it was thought to be a scam.  I have lived in the same house for the past 30 year, no problems with the PayPal account. I had to go into my PayPal account and change all the information I was allowed to change, then closed my account. Couldn't delete but did close it. No way am I giving them a copy of my enhanced driver's license or utility bill. Now I want to be sure they no longer have access to my SSN and other information. PayPal told me that the extra PERSONAL information was required by the government. What part of the government they couldn't tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: EQUIFAX, INC.
State: MO
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:
Hello to whom it may concern, Under the new law effective XXXX XXXX 2017 any public record thats reporting on a credit file must include name, address, social security number or DOB. At this time XXXX equifax nor XXXX is in compliance with this new law and after careful investigation I am seeking to have these incorrect public records deleted off my credit file. Thanks & XXXX Bless

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I separated for the navy in XXXX and haven been transitioning back into civilian life for the last couple month which has coming with its challenges. I had my vehicle was repossessed on XX/XX/23 after XXXX. I got in contact with them the next day I was told my vehicle would be held until the XXXX for the amount of XXXX form the vender ( Truist ) and then an addition amount would be charged form the towing company themselves for storage. I called back on the XXXX the XXXX was XXXX XXXX, so the office was closed. I wanted to verify the amount again so I know the amount to request for finial help. The amount was now XXXX, I asked for how much the towing company would be charging and was told I could get that form their third-party Loss and XXXX. Loss and XXXX informed me that they do not deal with money they are simply a middle man between the vendor and finding a local towing company to retrieve and hold the vehicles. Loss and XXXX informed me that vendor is the one who sets the price for everything even how much towing company should charge me. I have called Loss and XXXX and the towing company and got the same answer each time that they are waiting on the vendor ( Truist ) to tell them how much to charger me. When I call Truist I keep being forwarded to Loss and XXXX to get the additional amount. It been less than XXXX week I just want my car 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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe reporting in error. 


XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Account Number : 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 2021-01-31
Company: AmeriCollect
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:
AMERICOLLECT INC Reported : XXXX XXXX, 2021 {$1000.00} There are no contracts, no valid claims ... account was settled original with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
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:
USC 1681 the accounts on my credit is defamation of my character & i am trying to buy a house. Below i attached a few of the companies that have my information and that has charged to my credit report. My identity was stolen and the companies listed were the ones charged to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: PA
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:
I have tried multiple times to have Experian update the information on the XXXX XXXX account on my credit report. I have furnished them paperwork to show that the account was paid IN FULL ( not charged off ), and everytime they update the account they report it incorrectly. Im extremely frustrated. The balance on the account is XXXX, it was paid IN FULL. At this point, as I have tried to have the account updated several times and the account still reads incorrectly.

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 2022-10-29
Company: EQUIFAX, 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 belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX o XXXX XXXX XXXX XXXX XXXX CA XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX o XXXX  XXXX XXXX Balance : {$0.00} o XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX o XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX o XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX o XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: HYUNDAI CAPITAL AMERICA
State: IL
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:
I signed a 36 month lease agreement on XX/XX/XXXX for a new XXXX XXXX XXXX. Near the end of that lease, XX/XX/XXXX, I decided to purchase the vehicle. I followed the instructions as outlined for lease-end purchase on the XXXX XXXX XXXX XXXX XXXX I mailed a personal check for the buyout amount indicated and enclosed a requested odometer reading form with the check. I had not heard anything from them for a couple of weeks, so I called and spoke to someone through their call center. I was informed they had never received the odometer reading form and they could do nothing further until such time that they received it. As I stated above, I had already mailed in a completed paper odometer reading form included with my check on XX/XX/XXXX... ..they cashed the check, so I know they received the form even though they claimed they had not. I completed and uploaded another odometer reading form through their website and sent it in. They assured me it would only take a week to ten days for the check to clear the bank and the paperwork to be completed by their title department. Weeks went by and I heard nothing from them. In the meantime, I received an Illinois tax form for the purchase of the car. I signed it and sent it back. I also faxed the same form to them. Another call to XXXX, and I was assured that all necessary forms and signatures had been received and the title would be released and mailed to me within a week. That was nearly two weeks ago and still nothing. It has been 57 days since I began this process and still no title. I want to sell this car and I am unable to do so as long as they continue to hold the title. I will attach a letter from XXXX acknowledging the date and amount of the purchase. I researched the Web to see if there were other customer complaints about XXXX and I found numerous accounts which read as if I had written them myself. Exact same complaints. Necessitating filing with the XXXX and CFPB in order to secure their titles. Their buyout process is unnecessarily burdensome and protracted. Any other vehicle I have paid off through a lending agency like a bank has provided me with the title within two weeks. I feel helpless. Repeated calls to an offshore call center has gotten me nowhere. There is no phone number listed for their title department. Please help me get my title!!! 


Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXX, CA XXXX Customer Service Dept XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Robinson, Reagan and Young PLLC
State: TN
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:
Credit report My son received a letter dated XX/XX/XXXX from Robinson , Reagan & Young , PLLC. In the letter, it stated that my son had an outstanding bill of {$130.00} with an added fee due o {$42.00} for a total of {$170.00}. Upon receipt of the letter, I first tried to call the company and left a message for a person named XXXX. I then sent a letter dated XX/XX/XXXX requesting a copy of the original bill. 
I then received another letter, which did have a copy of the bill. I then called Robinson, Reagan & Young PLLC to confirm that this was a valid bill and I was willing to pay it. But I was informed that it was already on my son 's credit report. 
I had done everything required within a 30-day window. Now I'm reluctant to deal with this law firm.

Company response to consumer: Closed with explanation