BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX I have conducted the payment in the amount of XXXX USD from my account with XXXX to account of XXXX XXXX XXXX XXXX XXXX opened with XXXX AND XXXX XXXX XXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, 2022 XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. We tried to contact JP Morgan Chase Bank via XXXX from XXXX Bank asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: NCB Management Services 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: Account status incorrect

Complaint:
I have 3 accounts in collections but they have been set to closed and according to CRA policy, unpaid collections must be deleted immediately upon closure. This company has failed to follow fair, credit reporting policies, and request cease and desist on further collection activities and to remove all reports from all credit bureaus. 
I filed a complaint yesterday before I realize that these accounts were set to closed. I know requested they just be removed permanently and to stop all unlawful activities. This company is harassing me unnecessarily by subjecting my personal credit to unlawful damage from failure to follow policies set by the CRA. This company also got my illegally and is still continuing to contact me through Mail and Phone to try to collect debt. Do not sell this debt that you have placed in my name without my consent to any other parties. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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 2023-02-27
Company: Experian Information Solutions Inc.
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:
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 any 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 : {$12000.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$3800.00}

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 2023-02-27
Company: Experian Information Solutions Inc.
State: MI
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 : {$4200.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$23000.00}

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 2023-04-25
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We met with Wyndham and were make a sale a timeshare. Three days after the sale we learned that the sale was made under false pretenses and would be able to be used due to my physical XXXX. Wyndham agreed after several months of deliberations and finally voided our contract agreeing to refund all down payments, including credit charged, and fixing the negative filings on our credit accounts. We have now been fighting Barclays and their debt collectors XXXX to remove this debt and clear the negative credit filings. Its been over a year and we have been harassed with weekly mail, rude phone calls, and negative filings on our credit. We keep being told send in a dispute which we have three or more times with no resolution by continuing harassment. We need help.

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 2023-02-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit reports inaccurately report my XXXX XXXX XXXX XXXX XXXX account as OPEN. My XXXX XXXX XXXX XXXX XXXX Is required to be reported as Closed by Consumer and/or permanently deleted from every credit reporting agency file. Pending investigation, my XXXX XXXX XXXX XXXX XXXX Account must be reported as DISPUTED. Failure to promptly report my account as Closed by Consumer on every credit report shall be considered a Willful Violation of the FCRA and Metro 2 protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Update on XX/XX/2023 with Glasser and Glasser PLC. They sent a dismissal of a garnishment with XXXX XXXXXXXX XXXXXXXX without the required judges signature through US mail and fax. XXXX XXXX XXXX will not remove the garnishment for this reason. 

Glasser and Glasser PLC is retaliating against me and delaying access to my bank account funds. Glasser and Glasser PLC also told a court in XXXX, Virginia that I was provided notice of the debt and hearing, when I was not. This violates my constitutional due process rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my consumer reports and I noticed that I had 4-5 late payments on my accounts that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX account # XXXX. Please investigate and provide proof with statements showing that these payments are late.if proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : XXXX, 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 XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : XXXX, XXXXXXXX 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 XXXXXXXX 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 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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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:
We refinanced our rental home with XXXX XXXX  end paid off in full our old loan XXXX XXXX. Also we paid in full off our XXXX card at nearly & XXXX. Because this is a new loan with XXXX we were given a D with Transunion credit Reporting. We're never late with our payments and you give us a Fair rating after having Very Good. Don't understand why our Good standing with previous vendors isn't taken into account but base it all in this '' new mortgage ". The other credit reports don't penalize like Trans Union. Please consider this. It may be a new mortgage vendor because we refinanced but the mortgage payments have been perfect in the past. 
Thank you for contacting this. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: Westlake Services, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been calling and disputing this {$83.00} debt since XXXX with both my credit bureaus and the collection agency. This was for my daughter 's XXXX  payments, which were auto ACH each month. The payment in question was supposed to be the final payment, which WAS paid via ACH. I have submitted proof of this to both the credit agency and the collection agency and it is still on my report. My credit score has been damaged greatly due to this.

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 2023-08-03
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Compliant XXXX was submitted on XXXX XXXX and a prepaid credit card debt that they " alleged '' is owed. XXXX XXXX XXXX, as well as XXXX XXXX, are both reporting this " alleged '' debt on all XXXX credit bureau profiles. XXXX is indicating that I owe them {$740.00} and XXXX XXXX is reporting {$610.00} in interest and fees for a prepaid credit card that my security deposit was never received back at the time of requesting account closure. XXXX continues to send mail correspondences and contact me several times a day for this debt despite me informing them the debt isn't actual and requesting documentation from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EdFinancial Services
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:
these accounts are paid off in full with perfect payment history. Company has not updated this account status and continues to bill me when its already paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have two accounts being collected by Midland Credit Management for XXXX XXXX accounts that were not my accounts prior to being sold to Midland. I notified XXXX XXXX of this prior to the debt being charged off and they confirmed the debt was written off as identity theft, NOT as a balance owed under my name. 

I have spoken to countless individuals at Midland, XXXX XXXX, and disputed via my credit bureaus in an attempt to get this information corrected, but more than two years later, the accounts still show on my credit report under the collections section. I'm first referred to XXXX XXXX to have the balance corrected, yet XXXX XXXX then refers me back to Midland since the debt is no longer theirs. Yet no one can seem to point me properly to the right place to get this corrected. 

I would like to say that everyone at Midland has been pleasant, unlike other debt collection companies I've dealt with ( so thank you for hiring professional people ). Unfortunately, they do not seem to be able to help me resolve the issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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:
Violation of Rights- Failure to follow laws when notified of identity theft when all required documents were submitted with FTC ID Theft report on XX/XX/2022. 
Accounts listed on Identity theft were not blocked in 4 days required by law. 
Accounts listed in Identity theft report were never blocked or deleted. 
XXXX to decline or rescind allowed only if consumer reporting agency reasonably determines that the information was blocked in error or block was requested by the consumer in error, the block was requested by the consumer on the basis of material misrepresentation by the consumer or the consumer obtained possession of goods, services, or money as a result of the blocked transaction. 
CRA did not have the authority to decline or rescind block for the reasons they stated.

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 2023-02-27
Company: Experian Information Solutions Inc.
State: DC
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:
First up I was never given my interest rate on this loan but once I had a problem than I found out it was 28 % or more and than included coverage for repairs. It was a used car and I didn't even had for a year the XXXX year was a XXXX and I went to a gas station and it started smoking and I had it towed!!! When I got in contact with XXXX XXXX the mechanic called them and he was told what they wanted him to do to find the problem with no guarantee they would pay him and then XXXX XXXX gave me the mechanics they deal with. Had it towed again and the mechanic did what they told him and told him they were not going to pay normal wear and tear!!! He said the mileage was turned back and the engine number was scratched off!!! I than connected them and told them. I than wrote a letter registered mail to pick it up and I was voluntary returning it back to them. They in turn called the mechanic and told him they didn't want it. But he followed their instructions. I than got the attorney General office in DC and while I was on the line their Lawyer said they didn't want and do anything they want with the XXXX. They couldn't make any money off. The attorney General office said the insurance coverage that they had on the car people have had the similar problem and they say the same answer normal wear and tear. I had stayed on oil changes etc... They keep harassing me constantly!!! I want this removed off my Credit Report it's been XX/XX/XXXX and so many days they Report I'm so many days over due!!! It's an illegal practice they are doing. I'm XXXX and XXXX XXXX!!! I don't owe them anything!!! They owe me!!!

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 2023-06-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These are unauthorized inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent out letter to all the credit bureaus XXXX Equifax and XXXX on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: MA
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:
XXXX XXXX ( XXXX XXXX XXXX XXXX  ) XX/XX/2023, XXXX PDT Hello XXXX XXXX Thank you for your patience while this was investigated by our Dev Team. 

As our Development Team has attempted to reimport your credit report, they encountered the same Equifax error, it appears that the issue lies within Equifax 's data or verification process. 

To resolve this matter, I recommend reaching out to Equifax directly once again. Please inform them about the ongoing issue with the credit report pull and provide them with the following error details : Error : Equifax report pull SSN verification has failed Subscriber Number : XXXX Equifax should be able to investigate further and assist in rectifying the problem with their data. Once they have addressed the issue and made the necessary updates, our Development Team will make additional attempts to import your credit report into XXXX XXXX XXXX. 

If there is any specific information or documentation Equifax requires from us during this process, please let us know, and we will be more than willing to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never entered any agreement to do business with this company. They also sent me a notice in the mail in a thin envelope with CREDIT COLLECTION SERVICES on the first page. This is visible in person and also online when the post office scans the mail in daily. That is a violation. I know personally there are envelopes that ensure privacy. This is a sneaky way around the rule.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: KY
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:
Ive disputed a bankruptcy multiple times with Experian and they continue to say that XXXX XXXX  reports the information as accurate, however Ive contacted XXXX myself and experian never contacted them. XXXX and XXXX investigations lead to the bankruptcy reporting being deleted from my credit report, but experian refuses to delete the information from my 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