BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received an email from HR stating that a letter had been delivered to my job. I had no idea who'd sent it as my job is not listed under my mailing address. When I get there, it is from First Credit Services. I never gave them or XXXX XXXX information about my place of employment due to protection reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXXXXXX XXXX Inquired on XX/XX/2023 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 2023-02-08
Company: Experian Information Solutions Inc.
State: IL
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:
Contacted XXXX XXXX Account & arrangement a settlement agreement. Settlement was paid to a {$0.00} balance XXXX. Account stated they will correct the information on all 3 credit bureaus and did not. Instead it still shows a past due balance which is inaccurate information.

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 2021-05-08
Company: EQUIFAX, INC.
State: OH
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 has been comprised due to identity theft. I don't know how the theif was able to gain access to my personal information and use my name without me knowing about it. I'm getting threats from people I don't know and it frightens me. However, due to covid and other stress I'm dealing with in life this makes me even more stressed out. I did all i can do after I went to the police and file a report about this when I found out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I went to purchase gas at XXXX using my Chase visa card and I was declined at the terminal. I called Chase and they said it's BJs issue with the terminal. I spoke to the manager at XXXX and he said it is the Chase Card. I called Chase back and they said use another terminal. I tried that and still declined. I had to use another card which worked fine. I have had my banking relationship with Chase for over 30 years. I called Chase back and all they tell me is that my card is fine and it's the merchants fault. I don't know what to do - trust this card or carry two cards with me all times. It took over an hour of my time to get gas when it should have taken 5 minutes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repetitively told the person at XXXX IC System that XXXX XXXX does not have this number, yet they keep calling

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. DELETE INQUIRIES ASSOCIATED WITH ACCOUNT

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 2023-02-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/18 I applied for a bank account at XXXX XXXX XXXX XXXX and they advised they do an inquiry on Experian to determine services you are eligible for. They told me my Experian was XXXX. I assumed it was accurate but it seemed really low as I have been trying to get my act together with credit scores. 

On XX/XX/XXXX, I applied for an auto loan and we did not receive the best rate as XXXX advised my Experian rating was still XXXX. 

It was at that time that I realized I had never looked at the info Experian had, just XXXX  and XXXX. 

on XX/XX/18 1- I pulled an Experian credit and it shows General FICO at XXXX with lowest Fico option at XXXX. 
2- I called the XXXX XXXX XXXX loan office and confirmed they use Experian but could not explain why there was a difference. 
3- I called Experian and they advised XXXX is incorrect and I should give them a printed copy of my report and invite them to contact Experian to discuss. 
4- I went to XXXX XXXX XXXX XXXX location at XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX, and spoke with XXXX XXXX , Consumer Loan Originator. Mr XXXX advised me that my Experian report was wrong and XXXX was correct. I requested he contact Experian, he declined. I requested he give me a copy of the report they have showing XXXX and he declined. 
NOTE : I have received a loan offer that could be better if the FICO score was accurate. 
NOTE : I am learning a great deal about credit and one thing I have learned is that it is not a magical guessing game. The bank should be transparent and the consumer should be able to get transparent and real information. If it differs from their understanding, the bank should be able to explain how they arrived at a different FICO score so the consumer can act accordingly. I do no t feel that has happened here. 
Isnt it my right, as a consumer, to get evidence of the FICO they are using so I understand it in future loan requests? Shouldnt the bank be able to explain to the consumer what is driving the difference, so they can fix it?

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 2021-05-08
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 have sent several request to the named companies as well as the credit reporting agencies to advise them that I DID NOT AUTHORIZE the inquiries on my credit file. They still remain on my credit file and all credit reporting agencies have failed REPEATEDLY to provide me with documentation to show where I authorized such. They will not be able to do so, because I only authorized XXXX XXXX XXXX to pull my credit file. Both the dealership and the salesman have advised me that they only submitted an application through 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 2019-03-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My chase account was randomly closed with no explanation as to why. XXXX dollars that I depended on were not returned and I was told I would not be getting my money back until whatever investigation they had ended. 

I spoke to three branch managers and they all told me that they dont have access to my account anymore. 

Furthermore, upon calling chases customer service line, a customer service representative hung the phone up on me once she told me that my funds were not available and told me to wait. 

This is completely ridiculous and I deserve to have my money. If the bank does not want my business thats fine but I should not have to wait for an investigation which I have no idea why Im being investigated in the first place be finished before getting my money back. I have bills to pay and it seems that Chase does not care at all about that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
I dis not apply for these auto loans I do not have a car or a drivers license to even get this i XXXX XXXX did not apply for these loans these loan an they need to be off my account please ALLY FINANCIAL 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 2022-08-06
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX account # 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 response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: LTD Financial Services, L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call from agent XXXX XXXX at XXXX XXXX  on the XXXX of XX/XX/XXXX. He stated that he works for LTD Financial Services Limited Partnership and the call was to collect a debt of {$510.00}. I allowed XXXX XXXX to speak until he was finished and I stated : " I'm not working and can not make any payments at this time ''. XXXX XXXX goes on to say " well your last payment was in XXXX of XXXX, and that's before Covid 19 so  you're not being affected by that ''. I explained that " I didn't say or ask that '' and he said " well its the true and I'll have to make note of it ''. My personal thoughts are never said and I believe the agent had no right to state his. Covid 19 affected my search for employment just as it has done thousands. I'm not using excuses but stating facts and before then he has no idea why I was out of work. I would like for this company to stop contacting and not contact my family and friends. 

Thank you and stay safe XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I called the company on XX/XX/XXXX and explained that my income level has changed. I have been making payments toward this account for four months. the payments are semi monthly and range between {$320.00} to {$350.00} per payment. the original loan amount was {$2400.00} and even though I am making payments regularly, I still have a balance of well over {$2900.00} dollars. Only XXXX per payment is being applied to the principal balance of the loan. it is not explained that the account adds interest each day that the loan is not paid off. I called on the date listed above to request a settlement to pay the balance in full since my income has changed. I was informed that this is not an option. I was advised that the total balance due was going to increase by more than {$700.00} at the end of XX/XX/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 2018-09-27
Company: DISCOVER BANK
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Starting XX/XX/2017 I switched my monthly payment date to the XXXX of each month and I began to make extra payments towards the loan with the highest interest rate. I do automatic monthly payments since its easier and I supposedly get a discount on interest rates. I have 5 total loans with Discover. Every month since XX/XX/2017 the company has failed to distribute my money appropriately amongst each loan for my monthly payments. They also failed to put my extra payments towards the loan with the highest rate. Instead they would distribute it among the 4 loans and nothing towards the highest interest rate loan. There would be months at a time where none of my monthly payments would be going to a certain loan so I would get behind on that loan and then owe a ton of interest on it two months later. I have tried for the past three months to get this fixed and the first time they attempted to fix it it was not done correctly so I emailed them an example of exactly how I wanted my money distributed. A month later they sent me a letter saying they couldnt do it. I have tried calling them numerous times and emailing them numerous times for the past several months and have gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ( ending in XXXX ) Claim ID - XXXX Bank of America has illegally withdrawn funds from my current checking account ( XXXX XXXX XXXX ending in XXXX ) on a claim that has already credited a previously closed checking account. 

On XX/XX/23, an amount of {$610.00} was deducted from my checking account ending in XXXX as a " credit reversal '' on a claim was submitted on XX/XX/XXXX of last year in regards to an older checking account that was fraudulently charged by a company in the amount of {$840.00} ; which was already resolved by Bank of America as a fraudulent charge and credited to my account. 

My current checking account has no ties to this claim and the funds were withdrawn from my account illegally. Please see all attached screenshots to validate this claim.

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 2020-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Please refer to my previous complaint filed - # XXXX. At the resolution of that complaint XXXX was suppose to remove the incorrect information and send me a corrected copy of my credit report. When the company could not prove the validity of the account information, XXXX  removed the information from my credit file. I pulled my credit report today to find the account has been placed my credit files for Transunion and XXXX. So if you can't get in through one door, you try another! Really! So we are back where we started in the initial complaint. The collection agency has not proven the validity of the account and I have adverse and inaccurate information on two of  my three credit files. Something needs to be done about these ruthless collection agencies that prey on innocent people. XXXX, XXXX needs to be closed down if they are not willing to do their job within the realms of the law. I am sick and tired of having to keep fighting off these vultures.

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