BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
i have file disputes on XXXX XXXX and yet still have not received anything regrading them. By law they have 30 days to respond and it is past the 30 days.

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 2020-08-11
Company: ENCORE CAPITAL GROUP INC.
State: DC
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:
Challenged credit information reported to Credit Reporting Agencies. Requested that Midland Funding, LLC supply me with ( a ) their authorization to collect, ( b ) their authorization to do business or operate in the state, ( c ) proof of the alleged debt, ( d ) a complete account history, including any charges added for collection activity. I requested the aforementioned under 15 USC 1692 ( e ) & 15 USC 1692 ( f ). Midland Funding, LLC has not responded to me within the ( 30 ) days allotted. They have not responded at all. 

Subsequent to the above I've demanded they remove this false report from all credit reporting agencies ' files. There has been no response. At this point in time Midland Funding, LLC is in violation of the above-stated statutes. 

XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-24
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card
Issue: APR or interest rate

Complaint:
Hello, I as a consumer of Chase Credit card, my APR for this credit card is at 23.99 % never been late or missed a payment. Spoke to a financial manager XXXX who stated that we do not negotiate APR 's and will not lower them. This is outrageous for the consumer when my credit is excellent. I would like some action done on this as there is no reason this should be happening to good consumers as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Army and Air Force Exchange Service
State: HI
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: Problem with personal statement of dispute

Complaint:
My name is XXXX XXXX and I have a collection on all XXXX credit bureaus. The debt has been paid in full and the company will not delete it off my report. This is unfair and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: MS
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 DISPUTED WITH XXXX BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, DEPT OF ED XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES AND XXXX BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.

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 2022-05-19
Company: Experian Information Solutions Inc.
State: MS
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update these account completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$25000.00}

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 2022-05-19
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had an XXXX  visit in XXXX, with no insurance, I paid half of what I was told to pay up front. The remaining balance I made payments on and set up payments, but I never had them taken from my account at the time. I was called continuously and I kept trying to get some kind of arrangement set up but no one was willing to help. 
I am also confused on when the date was for service and when I was supposed to have it paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: MS
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged of the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 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 XXXXXXXX Balance : {$460.00}, XXXX XXXX  XXXX XXXX : {$1900.00}

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 non-monetary relief
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update these account completely from my Credit Reports : XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00}

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 non-monetary relief
Consumer complaint received 2016-08-22
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Stopped payment from checking account on XXXX XXXX, 2016. TD Bank went ahead and accepted payment on XXXX XXXX, 2016. When payment was returned they charged me a {$35.00} overdraft fee. When I objected to this fee they refunded the fee because they were in error. Now they are trying to slip by another fee, a maintenance fee, because when they processed the stopped payment the account also went below the monthly minimum balance. I object to this scam as it is clearly a way to extract additional fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-09
Company: TMX Finance LLC
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Title Max has called me before XXXX on XXXX separate occasions. I spoke with them to let them know that they were not suppose to contact me before XXXX or after XXXX. But they still did it anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My husband and i financed a XXXX Honda accord we were able to payoff the loan early this loan has been paid in full since 2013 we paid a fee for the title of XXXX when we received the letter of release and the title we noticed the title still has a lien holder listed on it. after speaking to Honda financial several times we were told we had to pay the XXXX again to have the lien holder name removed. we feel if we already paid XXXX for a title why should we pay a second time especially considering they made the mistake with a lien holder still being on the title

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: PA
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 reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : DPT EDXXXX XXXX Balance : {$210000.00} DPT ED/NAVI XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance XXXX {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX XXXX : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2020-08-11
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: Information belongs to someone else

Complaint:
To : XXXX Experian Dispute XXXX RE : Dispute Re : Account # XXXX Dear Representative : I am writing to dispute the account referenced above. I have disputed this account formation as being unverified and inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the XXXX myself and have been unable to get them to respond or to verify that this is indeed my debt WRITTEN PROOF. The credit bureaus have not been provided Proof that this debt occurred and was caused by me. You have not provided proof that this debt occurred and was signed by me. It is in the best interest of the Law and Credit regulations to remove this from my credit rating otherwise without proof of verification and valid proof this has to be removed from my credit report at once. Failure to Provide evidence that may be used to established fraud which I have stated. 

After careful research, I have determined that this is not mine, and I was given no evidence of my obligation to pay this debt to XXXX. The credit Reporting agencies do not have proof that this debt is valid. I do not have proof. Delete ITEM as it violate Fair Credit Reporting. 

The FCRA requires you to verify the validity of the item within 30 days or remove it. If the validity can not be verified you a

re obligated by law to remove the item. There is a clear case of unverified debt here, and I

urge you to remove this item before I am forced to take legal action.

1. Please provide my written signature or valid proof that what your claiming is in fact my account.

2. Please dont simply state verified, please provide me written proof Per FCRA that this dept is valid.

3. That the debt you say I owed and this account was setup, funded and used by me while I was deployed.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item which I have researched and determined does not belong to me, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue  you in any qualified state or federal court, including small claims court in my own area. Furthermore, I believe my local news reporters will find this refusal on your part to comply with the law very interesting. 

While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Social Security # 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 2017-04-30
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On  XXXX   XXXX ,  2017 , I wrote a letter to Enhanced Recovery Corporation that also goes by ERC a collection Company, of notice disputing their claim of this alleged debt with their client  XXXX   XXXX  also known as   XXXX   and requested documentation of such, with no response from them. So I filed a formal complaint with the Consumer Financial Protection Bureau case number  XXXX . Enhanced Recovery Corporation or ERC responded back to my complaint on  XXXX   XXXX ,  2017 , stating quote " In response to  XXXX   XXXX  's complaint, ERC has no record of a   XXXX   XXXX   account matching his information ''. I have confirmed with the credit bureaus   XXXX    and  XXXX   XXXX  that Enhanced Recovery Corporation is reporting this alleged debt twice once under the  Name Enh anced Recovery Corporation and the second under ERC. Enhanced Recovery Corporation and or ERC are still not reporting to the credit bureaus that this account is in dispute and still not have provided the documentation as requested of this alleged debt as required by law and are in violation of the Fair Debt Collections Practice Act ( FDCPA ). They have intentionally misrepresented the truth to CFPB and I have the supporting documentation from the credit bureaus stating as such.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-05
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2016 a letter ( see Chase Notification ) was sent to Chase which Chase received on XXXX XXXX, 2016 ( see Chase return receipt ). 
On XXXX XXXX, 2016 Chase posted a letter claiming that a benefit was received from those charges ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 ) Chase violated 15 U.S. Code 1666 by I. Exceeding 90 days allowed to resolve billing errors ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 and Chase Notification )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Issue: Other

Complaint:
The creditor TD Bank USA/Target Credit is reporting an incorrect first delinquency date on my XXXX report. This account has aged off on both of my XXXX and XXXX reports. I have tried disputing it a few time through XXXX but the account keeps returning that the information was verified and belongs to me. I have also spoke with reps from XXXX dispute department trying to explain to them that the account is reporting the wrong date and should of aged off my credit report. The only feedback I get from them is to contact the creditor direct. So I called TD Bank/Target today and spoke with a rep from their corporate headquarters that deals with credit accounts. She advised me that this account no longer has any history with their department and to dispute it. I stated to her that I have disputed the account a few times and that someone in her company is verifying the information as being correct. Then I requested if I could have her send me a letter stating that the account no longer has history, so I could use it to submit to XXXX, ; she refused. Then I asked her how is it that you are claiming there is no history available on this account but yet some how its being verified. She could not answer the question. So I politely asked if I could speak to a supervisor that deals with the credit agency disputes and she got nasty and told me she must release this phone call and good luck. 
By Law this account should of aged off after 7 years of reporting and it has n't due to TD Bank/Target reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was discharged from a Chapter XXXX Bankruptcy in XX/XX/XXXX. Based upon feedback from my attorney and Chase Bank, I was advised that an audit would be complete by Chase Bank prior to my loan being released to normal servicing. As of today XX/XX/XXXX my loan has yet to be released to normal servicing, I have been unable to get a complete loan history of my payments because the loan still remains in a bankruptcy status and Chase Bank has stated that I appear to be behind XXXX mortgage payments. I have advised them on several telephone conversations that I would like to ensure that the payments were posted properly during the bankruptcy to and validate against payment made to the bank as I do not believe there should be any delinquent payments. Chase has provided each month that I called that it would be another 30 days for the audit to be complete with no real resolution to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: NV
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 need to report XXXX XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late on XX/XX/XXXX to XX/XX/XXXX but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
TD Bank was the lender for an auto loan that I paid off a few years ago. I have had an extremely difficult time getting them to respond to my letters. TD Bank is reporting to the credit bureaus that my loan was 30 days late on XX/XX/2014 This is NOT accurate information. All of my payments were on time as I had the loan set up through my bank to automatically send payments via electronic transfer each month. I was a very good customer to TD Bank and do not understand why they would not want to correct their mistake. My payment was never 30 days past due. I have filed a complaint with both the XXXX & XXXX Attorney General offices as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: JPMORGAN CHASE & CO.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened an account with CHASE in 2005, The card was paid in full and closed. I owed no money in the credit card before I closed it yet XXXX XXXX XXXX has this account in collection with the full credit amount / total that was paid off. XXXX XXXX is egregiously Violated Fair Debt Collection Practices Act ( " FDCPA '' ), the unfair collection practices by reporting on my credit report an account that was fully paid for before closing.The same account that is being reflected by the original creditor ( chase ) on my credit report as paid in full and balance as XXXX, XXXX a collection agency is reporting as i own a balance of XXXX. The credit limit on that account was XXXX and was paid off even before exceeding the limit.

Company response to consumer: Closed with explanation