BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear J. J Marshall & Associates, I am responding to your contact about collecting a debt. You contacted me by mail on XXXX XX/XX/2022 and identified the debt as {$2000.00} owed to XXXX Properties. I do not have any responsibility for the debt that you are trying to collect. 
According to 15 USC 1692a. ( 5 ) the term debt mean any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 
Further according to 15 USC g. ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability of the consumer. 
Therefore, I would like to inform you that this debt is not valid, and my failure to dispute the validity of debt will not amount to an admission of liability. I further request you to further remove this debt from my report and compensate me for my mental and financial distress. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The accounts have been reported delinquent on my credit report but none of the 3 reports are consistent. The account are on a payment plan for 5 years are paid but still being reported late by XXXX & XXXX XXXX  then a couple is reported charge off but still taking my payment. Medical bills that were paid by XXXX XXXX and bills that I have no knowledge of.

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 2022-10-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
dear XXXX XXXX  This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

XXXX XXXX  : account # XXXX Additionally, I have enclosed a copy of the credit report your organization provided to me on XX/XX/2022 and circled the item described above. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 
Sincerely, 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 explanation
Consumer complaint received 2018-08-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX shared my information to XXXX XXXX. Now they are trying to collect XXXX, I do not know who XXXX is I never signe paper work with XXXX, they bumped the initial amount of XXXX, also they report to the credit bureaus different information, one day my account is open the next day closed, then collections, this been closed, remove It from report, also sending Letter to petition to keep there business open, they took my documents of line

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 2018-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Yesterday, my Travel Rewards VISA ( # XXXX XXXX XXXX XXXX ) from Bank of America ( BOA ) was stolen. Within an hour of discovering this, I reported this to BOA and asked that a fraud alert be put on this account and that I be sent a replacement card. 

I called a toll free telephone number provided on BOAs online banking website about 6 times, but all I got was recorded messages. It was impossible to reach a human being. After wasting about XXXX minutes just trying to get an agent at BOA about the theft of the card, I finally was told that an agent would come on the line. Then I was put on hold for an additional half an hour. When the guy who finally answered came on the line, I told him everything I knew at least XXXX times. He wasted time with chit chat, then proceeded to ask me exactly what Id just told him. After telling him again that I had checked the activity for the card through BOAs online banking website just before I called him and had seen no illicit activity, and repeated everything else yet again, I told him I had to eat dinner and had no more time to repeat the same information Id already provided to him several times, since it took me nearly an hour to get through to him. As far as I recall, the last transaction on this card was an electronic payment from my bank that I scheduled for {$8.00} which BOA should receive today. 

BOA continues to evade its customers and refuse to act on simple requests such as putting a fraud alert on an account that has had a stolen card in a timely or efficient manner, and to replace cards quickly when asked for legitimate reasons. It unfairly burdens its customers with grossly unreasonable, harassing, inefficient and insecure procedures that injure them. In contrast, XXXX XXXX was quickly and easily reached, took the relevant information and said they would mail a replacement card all within a few minutes. The new card should arrive today or tomorrow. 

BOA does not manage its credit cards in a reasonable fashion and its gross ineptitudes put its customers at risk for further injury. This has been the case for years. I have filed previous complaints about it, yet, if anything, these deep seated problems with BOA credit cards seem to be worsening. Just before submitting this complaint, I tried to check the account online for any fraudulent activity. The account was blocked and I could not access it. A message said BOA wanted me to call it, again, to waste more time. I have no more time to waste on BOA.

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 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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 and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX and that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-01-31
Company: Grain Technology, Inc.
State: LA
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:
To whom it may concern : I received a copy of my Consumer report, and I noticed some late payments on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GRAIN TECHNOLOGY, IN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : XXXX XXXX ) EXCLUSIONS - Except as provided in paragraph ( XXXX ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$XXXX} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations XXXX. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best RegardsXXXX XXXX XXXX  Enclosed : copy of ID and Utility Bill showing proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: JPMORGAN CHASE & CO.
State: OR
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: Card was charged for something you did not purchase with the card

Complaint:
I REPORTED FRAUD ON MY CHASE VISA CARD AFTER I RECIEVED MY STATEMENTS AND SAW A CHARGE THAT I DID NOT AUTHORIZE AND I HAVE NO IDEA WHO THIS COMPANY IS XXXX XXXX XXXX   THAT CHARGED MY ACCOUNT FOR XXXX. I CALLED CHASE VISA AND SPOKE TO A REP WHO FILED A FRAUD COMPLAINT AND SAID THAT I WOULD GET MY CREDIT BACK ON MY CARD, WELL CHASE VISA SENT ME A LETTER SAYING THAT THE CHARGE WAS TOO OLD AND THEY WERE NOT GOING TO GIVE ME THE CREDIT BECAUSE THE CHARGE WAS FROM XX/XX/2010. I REPORTED THIS CHARGE BACK WHEN I SAW IT ON MY STATEMENTS AND NOTHING WAS DONE SO I REPORTED IT AGAIN.. THIS WAS MONEY THAT WAS TAKEN OUT OF MY ACCOUNT WITHOUT MY AUTHORIZATION.. I LIVE ON A FIXED INCOME AND I CANT AFFORD TO HAVE MONEY TAKEN FROM ME FOR SOMETHING I DID NOT CHARGE MYSELF.. PLEASE HELP ME GET MY MONEY BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: OH
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated from erroneous reporting in my file are listed on my credit report : DP OF EDUC XXXX XXXX XXXX XXXX XXXXXXXX USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: TX
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:
on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: PENTAGON FEDERAL CREDIT UNION
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:
Upon opening credit lines for my husband and I, we called the credit card issuer ( PenFed ) and set up automatic payments. For some reason, the bank only set up auto-pay for my husband 's account but not mine. Consequently, my bill was paid over 30-days late, when we finally noticed the balance had not changed. We called the bank to complain in XX/XX/XXXX and they said they would investigate. We were then NEVER contacted with the results of the investigation and were forced to call the supervisor multiple times to no avail, leaving voice mails each time. Finally today, XX/XX/XXXX, we were able to get this person on the phone, just to hear him say they would not call the credit bureaus to retract the mistaken report of a late payment because it is, in fact, accurate. It's true the payment was made late, but the question is WHY. This was their fault, not ours, so we feel the credit report strike is unwarranted. They could easily pull the call record to confirm we asked for auto-pay to be set-up on both accounts and verify this was their mistake, but they refuse to do so. We have impeccable credit, which we have worked hard to attain. We do not want this undeserved stain on our record.

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 2021-04-30
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Why would I subscribe to your services when you have already submitted a credit report that has ruined my credit limit. If I been on your files since XXXX you should know that I have lived at my present address since XXXX. The one address you reported XXXX XXXX XXXX was my parents address. The rest are bogus addresses. You don't have any employment info, I worked for XXXX in XXXX, XXXX for 27 years. The JPMCB Card Services is something I know nothing about. I don't know where you dig up your information but obviously you don't do a very good job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: American Financial Network Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I'm being approved for the Homeowner Assistance funds for XXXX XXXX mortgage payments. This is a federally funded and regulated program - overseen by the U.S. Treasury. Mortgage companies and are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. HAF are sending the bulk checks and they aren't applying on time to my account. As of today, my XXXX and XXXX payments are past due because they aren't applying the payment on time. Last month on XXXX XXXX they applied the XXXX payment that was send on XX/XX/2022 more than 30 days later. It's a nightmare every month dealing with late fees that are unfair since the payment arrive on time. On XX/XX/2022 HAF send the XXXX payment and as of today nothing is applied in my account. This is so frustrating because they cashed the checks but not apply the payment to the mortgage loan. Charged late fees and reported to the Credit reporting agencies when in reality the checks get on time to the company. Why if they are sending the payments on time, it is taking more than a month to be applied in my account???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: TX
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 am in the the process of purchasing a home and a retail installment contract is being incorrectly listed as a secured home improvement loan for {$7800.00} and is also showing as a collection account when it's a charge off account. I called on XX/XX/2018 and I was told the account was sold to a collection company, I called the collection company that bought it and they said they didn't have it anymore. On XX/XX/2018 I called the original creditor Castle Credit company and asked if they could send me a letter showing that it's not a home improvement loan but a retail installment. Castle Credit company then said they would send me something when they had time its like if i'm was going to pay. Because of these discrepancies on my credit report I can not proceed with my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I bought a XXXX XXXX XXXX on XX/XX/XXXX and it was financed through credit acceptance which is located : XXXX XXXX  XXXX XXXX XXXX. XXXX Michigan and contact information is XXXX XXXX XXXX XXXX. Well on XX/XX/XXXX the truck was stolen and totaled. My insurance company sent me a letter which I have stating total loss and that they were paying it off but credit acceptance still didn't have the title so I kept paying it for 2 more months then credit acceptance took my auto pay off and stopped the payments well now as of XX/XX/XXXX they still don't have title 6 months later and have reported 60 days late on my credit report I want the late payments removed as this is their negligence. My insurance is XXXX XXXX they've had a check to pay this off since XX/XX/XXXX XX/XX/2020

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
A complaint has been submitted to the CFPB regarding the lack of support from XXXX XXXX. I have recently been of victim of some type of scam involving both of my CapitalOne credit cards. I spoke with a representative from the Executive Office from Capital on XX/XX/XXXX and advised I would be able to provide any documentation that is needed showing I only made payments from my XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX accounts. The payments were just made through the mobile app that is provided by the Institution. The Institution advise the payment were made through a XXXX XXXX  account in which I explained the situation numerous times and filed a police report ( see attached ). There has been no communication for the past month regarding the issue. 

XXXX XXXX needs to be put on notice there must be some kind of fraudulent activity plaguing their Institution. I just received an instant message from someone on social media on XX/XX/2018 ( please see attached ) stating they work with an Insurance Company for XXXX XXXX. This is the same information that is depicted in the attached police report at the beginning of XX/XX/2018. 

CapitalOne has a practice if the payment is made with an account other than the owner, the payment will not be accepted. I know this because CapitalOne contacted me when I paid a bill for my child 's aunt.

Company response to consumer: Closed with explanation