BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Complaint to XXXX Payments Limited and Chase XX/XX/23 I purchased a debit card from XXXX and paid a fee of {$9.00} using my Chase credit card. Chase charged additional transaction fee of {$10.00} for cash advancement and demanding interest payment for the amount. The product was not money order. It was a card that contains absolutely XXXX value. There was no indication extra fee at any process of the transaction. Both companies are refusing to refund or do anything about it. From a consumer stand point, this is confusing and not fair. 

See response from XXXX which I agree : We have received the customers complaint and appreciate the opportunity to review and respond to their concerns. Upon review, we confirmed that the customer used their Chase credit card to pay for their XXXX XXXX order, and were subsequently charged a cash advance fee by Chase. Please note that our review found that the Merchant Category Code ( s ) used ( 4829 and 6012, wire/money order ) were assigned for our role. XXXX does not issue or process cash, nor do we instruct any of our payment processors that we are using cash ; as such, most banks do not treat our transactions as cash advances. Additionally, XXXX discloses all of our own fees to our customers, and likewise a bank should disclose fees associated with their cards. In the event that a bank treats certain merchant codes as cash transactions, regardless of whether the merchant actually handles cash, we believe any related disclosures should be issued by that bank. We can not refund the fees ourselves, as it is assessed by the customers bank ; however, we have provided relevant information to the customer so that they can submit a request for a refund with their bank directly. XXXX is available to provide additional information upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20
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 some items on my credit report that arent correct, and I would like them removed or deleted asap. XXXX, XXXX, and Transunion are reporting 2 accounts on my file that I dont know about. They arent mine, and are most likely fraudulent accounts. They are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like a proper investigation done asap on these accounts, and I would like them deleted asap.

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 2020-02-11
Company: Nelnet, Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Nelnet Class Action Says Income-Based Repayment Plans Cancelled. Student loan servicer Nelnet has been hit with a class action lawsuit alleging the company improperly cancelled income-based repayment plans for borrowers.XX/XX/XXXX XX/XX/XXXX - Since the start of XXXX, at least 19 retailers and consumer companies were hacked and likely had information stolen from them. Many of these breaches were caused by flaws in payment systems that were taken advantage of by hackers. Retailers who suffer data breaches risk losing ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Diversified Recovery Services Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DIVREC SRVC ( Original Creditor : 09 XXXX XXXX ) XXXXUnfair XXXX    XXXXUnfair XXXX XXXX XXXXUnfair XXXX XXXX XXXX   XXXXUnfair The following accounts were disputed directly with the credit bureau and is not reporting accurate information.

I have not gotten any verification of ANY of the above debt.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2021-05-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been more than 4 months, since XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018, trying to fix my credit with this company ( Transunion ), and it indicates in its reports that the results are verified or updated, but Check the update date does not change, which turns out to be never investigated in the 30 day period. I sent my last claim on XX/XX/2018 and guess what, that 16 accounts never been update date and their still claiming that this accounts are accurate and verified. In addition to other accounts that have not investigated, they hide with the word not specified, when it is assumed that all change and investigation has not been hidden or hidden from the eyes of the consumer.

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 2022-12-20
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX is publishing non public personal information to third party consumer credit reporting agencies. I did not & do not consent to the furnishing of this information to any credit bureau agencies and because of this it is a direct violation of the FCRA as described under 15 USC 6802. This is to inform XXXX XXXX XXXX XXXX that I am opting out of them furnishing or disclosing any non public information about any loans I have previously had through them and demanding it be removed from all consumer credit bureaus they have reported it too.

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 2020-02-12
Company: Security Credit Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/17Original debt was .. {$500.00} a, after interest and fees accumulated to XXXX.. XX/XX/17 also had a XXXX ./ the original debt has been. Paid to the creditor .. the secondary debt collector .. ( security credit services located ) will not update the credit beaureas and remove derogatory remarks from credit. I am recovering from the XXXX and attempting to recover my credit as well ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received an email that my account was suspended. I did not receive any additional information. I can not log into my account. I tried customer service number but could not reach someone in customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-05
Company: Flagstar Bank, N.A.
State: CT
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:
requested through XXXX XXXX that I am no longer financially responsible for a mortgage that is under my ex husbands name on XX/XX/2017. I have not been notified and XXXX XXXX   is still giving me mortgage updates and hard inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I hereby issue this affidavit within this Federal platform. At this time, the above is issuing a temporary gag order against XXXX and Experian. Because at this time the above filed a complaint againt XXXX Complaint ID # XXXX on XX/XX/2018 and also filed a complaint against Experian Complaint ID # XXXX on XX/XX/2018 with XXXX XXXX XXXX - Division Cheif, Consumer Protection Division -Michigan Attorney General Office XXXX XXXX XXXX XXXX , MI XXXX. It has been brought to my attention that both of these institutions are soliciting inaccurate information about my identity with their clients during an investigation with the Michigan Attorney Generals Office. It is further been discovered that these two institutions are sharing reports with their clients but are withholding information that the insititutions themselves are under an ongoing investigation with the Michigan Attorney Generals Office - compalint # 's listed above. At this time the above does not feel that his information is being safe guarded by either of these two instituions wherefore I am attaching this affidavit with each and every application that the above releases and in doing so i will offer an invitation to any and all creditors to re-direct their request for complete file information to be done with only XXXX and the above will pay for the full complete report regardless of whether a creditor extends credit or not. All you have to do is contact me by email and submit request for payment. 

The above certifys that on this date XX/XX/2018 at XXXX XXXX that a true copy will be faxed to both XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX and Experian : XXXX XXXX XXXX, TX XXXX by the next business day XX/XX/2018

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 2021-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I recently checked my credit report and noticed that there is an alleged XXXX day late payment being reported in XX/XX/2021. I couldn't believe it when i saw it. I have no idea how this could have happened. I always pay my account on time or early. I did not receive a statement like i normally do letting me know to make my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit reporting act. This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2, It also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Inquiries from XXXX 2018/XXXX 2018 were proven to be fraud and needs to be removed from credit report by all credit bureaus. I have contacted both the creditors and the credit bureaus and Equifax is the only bureau that refuses to remove the fraudulent inquiries from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i called for auto ins quote an paid in full 6 months XXXX XXXX {$400.00} then approx. 2 months later they added drivers to my policy without my authorization an took XXXX out of my credit card account without my approval and the account they used was closed. Then in XXXX they cancel my auto ins. causing me to go with XXXX. then approx. 2 months later cc collections called me and said i have outstanding balance of approximately XXXX an when i asked for the details of it and break down then never got back to me. in XX/XX/XXXX I seen a derogatory delinquent on my report when i called them the phone number listed on credit report for information in XX/XX/XXXX, they still did not know what the balance was for or any details an stated to me they would look into it but already have put on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am furious. I have been dealing with this credit situation since XX/XX/2018. They have name variations and addresses that I have never lived. I asked them all to send me an updated report with ALL addresses and names and jobs that I never worked to be removed from report. I included several accounts that needed to be removed as well. 

I disputed these accounts again in XX/XX/XXXX and this time included a driver 's license and my utility bill. Transunion sent my results to an old address luckily I had my mail forwarded. All accounts I requested were removed, but when I look at XXXX XXXX the information is still there. 

XXXX never gave me any results from my XX/XX/XXXX investigation, and XX/XX/XXXX, XXXX sent me a letter asking me to send them over a driver 's license and utility bill, which I did already and they were asking for another investigation. 

My daughter tragically passed away last year and I need fresh start so I'm now purchasing a home, and the distress these companies are putting me is not fair. I don't know why I have to ask so many times for my information to be accurate on my report! When I call them I'm transferred overseas and they aren't sympathetic to my situation.

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 2023-08-10
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX XXXX XXXX XX/XX/XXXX Payment {$200.00} per month. on my credit reports it shows payment per month is {$0.00}. 
Also shows that my last payment was in XX/XX/XXXX. But it shows that I haven't made a payment since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: NC
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 been attempting to correct my credit report so that I can purchase a home. I have been struggling with this debt collector and credit reporting agency reporting inaccuracies on my file. I have sent certified letters disputing an account with XXXX XXXX. I have never had an account with this company and I have spoken with them over 3 times to confirm this. This debt collector is instructing me to dispute through the credit agencies so that they can remove the debt on their end when the credit bureau reaches out for validation. This account is not a valid and I have never entered into a contract with them nor did I authorize them to pull my credit. Per the FCRA it is already a violation for this debt to be on my file when there was never a contract or agreement with XXXX XXXX. Shortly after my dispute EXPERIAN and XXXX failed to do a proper investigation. Instead of removing the account like I requested and like XXXX XXXX owner or XXXX stated they would delete this because it should not be on my credit file. This account needs to be removed from my credit file. It has caused my score to drop XXXX points affecting my chances of approval for credit I desperately need and deserve as I have worked hard to maintain good payment history. XXXX is not properly investigating this dispute because If they had the account would be removed due to the fact that there was never a contract or agreement for this account and it does not actually exist.

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 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2022-08-25
Company: Braviant Holdings, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Have called creditor several times to have credit report updated with the credit bureaus. Still being shown as open with a balance on XXXX. Have spoke with the Resolutions department at Balance Credit multiple times. Today being XX/XX/2022 spoke with XXXX. Said the account has been reported as closed paid in full as of XX/XX/2022 and was manually inputted to the bureaus. But according to XXXX as of today XX/XX/2022 account is shown to be open and accurate with balance owed of {$1600.00}. I have filed disputes with XXXX on XXXX/XXXXXXXX and XX/XX/2022 and the problem never gets corrected. I have documentation supporting the payoff date. The creditor does also and they always agree that this particular loan is paid in full. I do not understand how they can continue to show something that is clearly paid in full and not be accountable. It is damaging to my credit score for something that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: CREDIT ACCEPTANCE CORPORATION
State: OR
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:
I do not consent to electronic communications. I request all responses be in writing through the USPS. 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 the correct payment history. Update the account/s below : CREDIT ACCEPTANCE CORPORATION 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