BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-19
Company: Navient Solutions, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of fraud, I ask navient to fix the situation and was denied on multiple occasions. I asked navient who has been reporting this on my credit account for about 12 years now to stop. I asked for the original instrument of indebtedness in its original form and did not receive a response within the 30 days. I was then sent an altered document which did n't even has my proper social security number, not the original document I asked for in its original form. I contacted the three credit reporting agencies and pleaded with them to stop and they kept on reporting the negative inquiries on my credit which has affected me throughout the years. please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
American Express continues to provide false and misleading verification to credit agencies XXXX, XXXX XXXX XXXX even after suspending the right to share reporting. In accordance with Fair Credit Reporting Act, American Express has Violated my rights to share records without my permission. In accordance with Fair Credit Reporting Act, Amex/ American Express Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, American Express Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and noticed some hard inquiries that I don't recognize. 

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 non-monetary relief
Consumer complaint received 2017-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$94.00} XXXX XXXX XXXX XXXX {$85.00} XXXX XXXX XXXX {$94.00} XXXX XXXX XXXX XXXX {$85.00} Could not ret/buy house due to below average Credit Score. Please help me to get rid off from this critical problem.

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 2017-08-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I ordered the Chase Sapphire card to receive the XXXX points bonus for ordering it. I was going to XXXX for a once in a life time trip. All their advertising was based around this and when using it for travel they add an additional 25 %. If you look at all their advertisements never does it say that you must book with Chase travel. I never even heard of Chase travel. Nor when I received my credit cards did I receive anything that told me I have to book with them to receive the additional 25 % off. I called twice with the same result. Each time I finally reached a manager I was Told sorry but that is too bad and that I received a booklet with my cards. NO I DID NOT! Plus they were bullies. Their is nothing wrong with the card itself it is Chase ripping off consumers. I am just sick of having no power when they did not do what they said, about sending a booklet. Once again I wonder how many people even know about their travel agency?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX OnXX/XX/XXXX I obtained a first mortgage through XXXX XXXX XXXX of {$640000.00} on my house.
The mortgage was subsequently been transferred to other entities, and is now held by Select Portfolio Servicing ( SPS ). The company information is as follows : SELECT PORTFOLIO SERVICING INC. XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX CUSTOMER SERVICE : XXXX XXXX XXXX XXXX  www.spsservicing.com Mortgage payments to this company, and from the beginning of the mortgage to date, have never been late.
This servicer acquired the loan on XX/XX/XXXXwith a balance of {$540000.00} at an interest rate of 2.75. As of this date, the balance is {$330000.00}. The current interest rate is 4 % There is no pre payment penalty and additional principal payments have been made and applied to the loan over the past 3 years.
The initial monthly blended payment inXX/XX/XXXX was {$2800.00}. As ofXX/XX/XXXX the payment is {$2700.00}.
The servicer never provided an amortization schedule since acquiring the loan, and same has not been provided for the rate ( which has been adjusting upwards ) at its current level.
I believe the bulk additional principal payments have not been applied properly to reflect the interest calculation, based on the decreased overall mortgage amount and the remaining term.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hello Today I called Transunion Fraud Department, and I was told by XXXX XXXX that they could not use my Law Enforcement Report, and the only thing that they could do was dispute it again. I have also reached out to XXXX  and XXXX whom have also involved me in another security breach I can't believe that after I have tried over 30 days to remove fraud off of my account they still refuse to help me. I have taken all the proper measures to get this resolved

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 2020-11-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letter over 45 days ago to this bureau and still have not gotten a resolution. The bureau is disregarding a regular consumer 's dispute. My credit is really holding me back right about now. Please help a brother out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Mercedes Benz Financial Services
State: GA
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:
Mercedes Benz of XXXX ran my credit three times with out my consent the inquiry dates are XXXX  2018 ,XXXX/18 ,XXXX/18 under MB Fin SvCs

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: CAINE & WEINER COMPANY, 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: Reporting company used your report improperly

Complaint:
In regards to, Caine & Weiner Acct number : XXXX According to 15 U.S. Code 1681 - Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I have a right to privacy and the reporting alone of this alleged debt violates my rights. I did not give consent to this debt collector to report this account. 

Under 15 U.S. Code 1692g - Validation of debts, debts are to be validated by law. This debt has not been validated. The 1st and only communication received from this collection agency was in response to my validation request. They responded with 2 request for payment ( see attachments ). According to the law, a bill does not validate a debt so they continue to violate my consumer rights by reporting an invalidated debt. 


Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Caine and Weiner further violate my rights and the law by falsely updating the date last active each month because theres been absolutely NO activity on this account. They are illegally prolonging the length of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX continues to provide false and misleading verification to credit agencies Transunion, XXXX XXXX XXXX even after suspending the right to share reporting. In accordance with Fair Credit Reporting Act, XXXX XXXX has Violated my rights to share records without my permission. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, XXXX XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section XXXX : states a consumer reporting agency can not Furnish an account without my written instructions.

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 2017-08-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Anything due with ACCTS. Linked to address of XXXX Georgia us fraudulent, I never lived at or close to that address or town

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 2017-08-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was used at XXXX for a XXXX dollar whoever did this used credit not sure if the transaction was keyed in are a copy of my card was use but my card never left my wallet i do n't make charges for that sizable funds checking my online account after being denied a transaction I discovered it this took placed on the XXXX to of the month of XXXX I noticed it on the XX/XX/XXXX the and contacted the bank on the same after returning a fax to them they emailed me saying they wo n't replace my funds that money was all I had please help XXXX @ XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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 received a copy of my credit report and noticed some hard inquiries that I don't recognize. 

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 non-monetary relief
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Experian took longer than 30 days & misled the verification process, Faulty investigation to credit reports even after suspending XXXX XXXX the right to share reporting. In accordance with Fair Credit Reporting Act, Experian has Violated my rights to share records without my permission. Delete Public Record Bankruptcy XXXX XXXX. In accordance with the Fair credit reporting act, Experian Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, XXXX XXXX XXXX my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXXXXXX XXXX  # XXXX has Violated my rights. Please Delete XXXX XXXXXXXX XXXX Account from my credit profile. In accordance with the Fair credit reporting act, Company Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions.

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 2017-08-19
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I tried to make an additional principal payment of XXXX. My mortgage allows curtailments and prepayments without a penalty. I was told by Wells Fargo representative on XX/XX/XXXX that I first have to make my regular payment first. I asked if I made a payment on XX/XX/XXXX whether my autopay for XX/XX/XXXX would still come out and I was told it would not. I made a regular monthly payment and an additional principal payment of XXXX on XX/XX/XXXX. The Wells Fargo representative was wrong and my regular payment was also taken by Wells Fargo autopay. My main concern is that the second payment also charged interest and escrow rather than being applied to principal in entirety. I object to paying duplicative interest and escrow payments in XX/XX/XXXX. I ask that my second XX/XX/XXXX payment be applied to principal. In addition. Due to wrong advice from WF representative and additional payment processed by WF one of my cc payments was rejected due to insufficient funds

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 monetary relief
Consumer complaint received 2017-08-19
Company: EQUIFAX, INC.
State: KY
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 have attempted multiple times to have XXXX XXXX XXXX quit reporting false information on my credit report. They are continuing to report that I have a balance and owe them money for a collection account that I paid off to another creditor. I have supplied this documentation to XXXX XXXX XXXX and they have failed to remove their false reporting of this account to Equifax. I was denied a car loan due to this false report. I have do not and have never owed this company any money for the account that they are reporting. I have disputed this account directly XXXX XXXX, 2017 and to this day they have failed to respond to my dispute. I have also called to dispute this multiple times and the " manager ' offered me a 20 % discount and to have the account removed once I have completed paying the account. I explained that he was trying to collect on an account that was previously paid to another collector. This company is violating multiple federal laws by falsely reporting on my credit report and offering pay to remove services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Due to my financial situation in   XXXX   XXXX  , I agreed to put my  American Express acco unt on a payment plan in the amount of approx. {$2600.00}. At that time, I understood that I will be unable to use the card however it  XXXX  be reinstated after the payment plan period. I agree to have  American Express  automatically debit my account month. On   XXXX   XXXX   XXXX  , I received a letter from  American Express  notifying me that that account was sent to a collections agency. I never received a letter or notice that the payment plan was expiring and what next steps were.  American Express  did send Account Snapshots with the balance and other information but nothing in those communications ( last on  XX/XX/XXXX  ) notifying me the account was sent to a collections agency. The amount in collections in approx. {$440.00}. I spent approximatel y 90 minu tes on the phone with various  American Express  departments only being told that it was system generated and could have been prevented had I paid past due amounts - I told them how can the account be past due as I was making payments on a regularly scheduled basis. What really concerns me tha t American Express  would be willing to send to a collections that last amount and the supposed failure to pay a past due amount of {$40.00} after an agreed payment plan paying back {$2000.00}. They refuse to reverse their decision. I have been an American Express cardmember since  XXXX  paying as agreed but having only one time an issue in repayment I felt that they treated me with a disregard in terms of the over 20 year period of excellent credit to make such an awful decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: GA
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 Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # 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 2022-07-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Check no XXXX was issued to IRS by me on behalf of client to pay an estimate payment with name and ssn number of client on the memo of the check for the sum of {$9500.00}. 
The check cleared my account on XX/XX/2022. 

My client received a letter from IRS dated XXXX XXXX, that sum of {$9500.00} was unpaid. On XX/XX/2022, my client and I, placed a call to IRS to explain that the check for the said amount cleared bank on XX/XX/2022. The representative we spoke to as us to go the bank to collect the image for the check ( both front and back ) On XX/XX/2022, i visited Chase bank branch in XXXX XXXX XXXX. there I was told the check was converted to an electronic check by IRS that no imagine is available. Same day I call the IRS with client and explain what I was told. But representative from IRS said we spoke whom different from yesterday said same thing. 

I called the customer service to officially complain. On XX/XX/2022 a document was fax to their through XXXX XXXX XXXX branch. On XXXX XXXXXXXX XXXX. My account was credited back with amount {$9500.00} XXXX XX/XX/2022, I process the amount {$10000.00} direct from account to IRS XXXX which XXXX send to my client by IRS . 

On XX/XX/2022, the bank debited my account with {$9500.00} which indicated the reversal of the amount. I have call customer services several the last time I spoke with I was if IRS is on the I should conn net with IRS. I'm out {$9500.00} now. 
I have document to show,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon checking my recent credit report I noticed an account from a LVNV Funding. I have not received a written notice to dispute the validity of this debt. I will need time to review this once I have received this notice so that if it is valid I may get the issue resolved.

Company response to consumer: Closed with explanation