BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: MD
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 have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: AZ
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 ( FCRA ) Fair Credit Reporting Act, XXXX XXXX XXXX AZ 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 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 2022-11-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have received a reply from CHASE credit card services from the Credit Service Specialist, XXXX regarding my " cfpb '' complaint ID XXXX. As of today, XX/XX/2022 my dispute of {$430.00} is not resolved. 

Here is the full description of my dispute that I have written back to CHASE. The problem is on CHASE, they did not correctly credited the disputed amount of {$430.00} into my credit balance. 

XXXX Cardmember Service Specialist XXXX XXXX XXXX XXXX, DE XXXX Dear Customer Service Specialist XXXX, This is to inform you that I have received your reply dated XX/XX/2022 regarding my dispute. As you said in your reply I should be able to see the credit of {$430.00} online in my account. As of today, on XX/XX/2022 I Did not see any refund of {$430.00} in my account. I have just downloaded the XX/XX/2022 Statement it does not show any correction of - {$430.00} in my CHASE Credit Card Balance. 

Here I have to summarize one more time to point out that the error is made by CHASE. 
Attached you will find copies of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 with my hand written notes. 

XXXX ) The XX/XX/2022 Statement : This statement shows the total purchase from XXXX XXXX XXXX XXXX as verified in your XX/XX/2022 letter. In addition, this statement also shows the amount of - {$430.00} was returned to XXXX XXXX XXXX XXXX. However, {$430.00} refund shown by XXXX XXXX  XXXX XXXX was not credited, was not deducted in my XX/XX/2022 statements total balance. The total balance that I owe to CHASE still bills me the full {$920.00} total purchase that I made from XXXX XXXX  XXXX XXXX. The balance of XX/XX/2022 statement should have been {$560.00} after crediting the {$430.00}. 
I have paid {$560.00} for my true /valid purchases that applies towards purchases made from XXXX XXXX XXXX XXXX before the XX/XX/2022 statements due date and leaving {$430.00} unpaid with an expectation that CHASE to correct the error and apply the amount of - {$430.00} on my credit balance. 

2 ) The XX/XX/2022 Statement : This Statement shows the payment of XXXX that I have made but never and never shows the amount of - {$430.00} which should have been credited towards my CHASE credit card balance. 

3 ) The XX/XX/2022 Statement : This statement still shows my unpaid {$430.00} which should have been credited by CHASE for the items returned back to XXXX XXXX  XXXX XXXX. As of this statement CHASE still did not credited the - {$430.00} to my balance. Instead it shows a credit of - {$50.00} leaving {$380.00} balance in account As a summary I do not owe any further balance to CHASE, instead CHASE owes me {$430.00}. 


Thanks for your attention in this matter. 
XXXX XXXX CC : Consumer Finance Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I XXXX of 2021 I submitted a certified letter to Transunion, XXXX, XXXX, and XXXX to verify how they reported a bankruptcy on my credit report. None of them provided me with information on how the bankruptcy was added to my credit profile and I got a letter from the court stating they do not furnish any of this information to any of the credit bureaus. It is my right to have this information removed from my credit report since the court does not provide such information and it's illegal to add things that are not furnished by the original provider.

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 2022-06-28
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company COMMONWEALTH FINANCIAL IS REPORTING ON MY CREDIT REPORT AS A COLLECTION I HAVE NO IDEA WHO THEY ARE. I HAVE NOT DONE BUSINESS WITH THEM BEFORE. THIS IS A FRAUDULENT ACCOUNT OPENED UNDER MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Tried paying my Victorias Secret credit card yesterday, and I was unable to log into their website. Apparently they are having a planned system update, that they did not even email me about. Now Im concerned I will be charged a late fee at no fault of my own, nor do I know if they were hacked and my info is out there. 
Unable to get ahold of any customer service, as their phone systems are down, and they give generic responses on XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: JPMORGAN CHASE & CO.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for XXXX XXXX Application Reference No : XXXX. Chase declined the application due to previous credit card closed by Chase. There was two cards opened under my name which I reported to Chase and they sent me letters I attached which state they removed me from liability from those accounts. However, they are still using those fraud account against me when I applied for the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: PA
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 accounts appearing on credit 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
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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 accordance with the Fair Credit Reporting act XXXX  Account name : U S DEPT OF EDXXXX Account number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : 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 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 explanation
Consumer complaint received 2022-11-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
So, I had fallen behind on my mortgage payments a total of XXXX months My monthly amount is approximately {$860.00} per month I called on the XXXX of XXXX to make a payment. 
They refused to accept the payment and demanded that I make a minimum of XXXX monthly payments. 
So I reluctantly said that I would try to get another payment together by the end of the month. 

Here it is the last day of the month, I am a few XXXX short on the XXXX payments that I am " required '' to pay. 

I call Lakeview Loan servicing to discuss this things.. 
I am told that the minimum payment I can make at this time is {$1700.00} XXXX ask what the additional amount is for they say its because of fees. 

I tell them I cant make that and that I'm a few XXXX short. 

representative says " Thats good news because we can do a re-payment plan where we take half today, and spread the remainder out over XXXX months. 

Sound good, right? so she said to make the payment today in the amount of {$1300.00} and then I would need to make a payment of {$1500.00} per month for the next XXXX months I said that the math doesn't add up, and ask that she explain. She puts me on hold and says " there are corporate fees involved '' and I asked to elaborate and give me the amount of these fees with what they pertain to and she could not do it. refused to do it. 

by my calculation and every late fee I've been hit with from the time the loan originated rounding all numbers up at most should be a monthly payment of {$1300.00}. 

They refuse to explain the extra {$500.00} per month and hung up the phone on me. 

Now I'll be facing foreclosure or agreeing to be extorted for a {$500.00} per month fee from this company. No option other than one or the other and this shouldn't be legal. 

look em up on XXXX, I'm not the only one who has issues. They have the lowest rating they can possibly have.

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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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. 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 Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. 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 these items as soon as possible. Addresses : XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX : XXXX XX/XX/2020 XXXX, XXXX XX/XX/202XXXX XXXX XXXX XXXXXXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XXXX  XX/XX/2020, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I LEASED MY CAR ON XX/XX/XXXX AND MADE PAYMENTS UP TO XX/XX/XXXX WHEN MY VEHCILE WAS INVOLVED IN A FLOOD.AT THIS POINT INSURANCE SAID THAT THE CAR WAS TOTALED AND SAID THEY WILL TAKE CARE OF IT WITH THE LEASING COMPANY .AS OF XXXX XXXX XXXX ALL PAYMENTS WHERE MADE TO MY FINANCE COMPANY FROM MY INSURANCE COMPANY AND XXXX 
FURTHMORE, I RECEIVED AN ALERT XX/XX/XXXX ON MY CREDIT REORT THAT I AM 3 MONTHS BEHIND AND OWE {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a copy of my credit report and I have found the following account listed below to be in error. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under LATE OPEN and consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX Balance : {$9500.00} Date Opened : XX/XX/2007, XXXX XXXX XXXX XXXX Balance : {$47000.00}, XXXX XXXX Balance : {$3700.00} Date Opened : XX/XX/2007

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 2022-07-28
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA.

In accordance with the Fair Credit Reporting Act below, the following accounts have 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 an account without my written instructions.

15 U.S.C. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason PERMISSION WAS NOT GIVEN TO FURNISH THIS 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 2022-06-28
Company: Experian Information Solutions 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 Accordance with the Fair Credit Reporting act XXXX Account from XXXX  # XXXX, has violated my rights. 

15 U.S.C 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 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 2022-09-21
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:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX bankruptcy discharged Reference number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.

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 2022-11-30
Company: ENCORE CAPITAL GROUP INC.
State: PA
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 and XXXX are ruining my life. My report has been compromised and used illegally without consent and permission. Midland Credit Mgmt. and XXXX XXXX associates have illegally accessed my report without consent. I have the right to privacy and have never given anyone written permission to furnish these accounts. My rights have been violated and laws broken. I will contact my lawyer and sue is these derogatory marks are not removed. Midland and XXXX are not legally allowed to collect in Pennsylvania. This is identity theft and harassment as well as a violation of my rights and consumer law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Affirm 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:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, AFFIRM INC Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX bankruptcy discharged Reference number XXXX has violated my rights.

Company response to consumer: Closed with explanation