BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
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: Their investigation did not fix an error on your report

Complaint:
XXXX, Transunion, and XXXX are in violation of 15 USC 1681 subchapter III, Section 1681i Procedure in case of disputed accuracy, Treatment of Inaccurate or Unverifiable Information. If, after any reinvestigation under paragraph ( 1 ) 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 reinvestigation. 

I have attached documentation from XXXX Credit Report that shows XXXX, XXXX, XXXX did not complete a through investigation, the information is incomplete, inaccurate, and could not be verified, but they kept it on my credit report anyway. The account numbers are different, date opened, last reported date, comments, monthly payment, account status, and the account type to name a few. Each credit agency has different information, so how could they have done a through investigation. delete all accounts with inaccurate information 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 explanation
Consumer complaint received 2017-01-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Other

Complaint:
Chase is reporting me negatively to the credit bureaus as being 30 days late back in XXXX. 2014 although they are well aware that it only happened once throughout the whole life time of the account and I had difficulty 's receiving my statements as I live in a big apt . building however, even after contacting them about it, advising them to correct it, as it causes me credit damage, and even after I was already promised by XXXX XXXX XXXX, it will be corrected they still continuing to report it negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: JPMORGAN CHASE & CO.
State: NH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Chase Auto Finance disabled my online access 2 years after my bankruptcy was discharged. My bankruptcy was discharged on XXXX/XXXX/XXXX and I have been paying my auto loan online since the inception of the loan and on XXXX/XXXX/XXXX I went to logon to my account to pay my XXXX/XXXX/XXXX payment and the site would not let me on. It gave me the message " you do not have any accounts to show ''. Finally after to speaking to about 7 people at Chase I was referred to their bankruptcy department and the representative told me because I had filed bankruptcy even though it was over 2 years ago I was not allowed to have online access and with their conversion to new account numbers they just realized I had it and had to remove it. The representative stated that it was the law that I could not have access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, and Equifax are in violation of 15 USC 1681 subchapter III, Section 1681i Procedure in case of disputed accuracy, Treatment of Inaccurate or Unverifiable Information. If, after any reinvestigation under paragraph ( 1 ) 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 reinvestigation. 

I have attached documentation from XXXX Credit Report that shows XXXX, XXXX, Equifax did not complete a through investigation, the information is incomplete, inaccurate, and could not be verified, but they kept it on my credit report anyway. The account numbers are different, date opened, last reported date, comments, monthly payment, account status, and the account type to name a few. Each credit agency has different information, so how could they have done a through investigation. delete all accounts with inaccurate information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: U.S. BANCORP
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:
On XX/XX/2019 I made a payment in the amount of {$4300.00} online to my credit card USBank, which I paid for with my account at XXXX  XXXX XXXX. 

On XX/XX/2019, USBank deducted the same amount from my account with XXXX  XXXX XXXX. 

XX/XX/2019 I contacted Customer Service and explained that USBank owed me the {$4300.00} that they had deducted from my account. 

On XX/XX/2019 I called Customer Service to inquire about my refund. I was told that a check in the amount of {$3500.00} had been issued. When I asked why the amount was less than that they had taken from me, I was told that current charges showed on my account so they deducted these charges without my consent or permission. My account was and is in good standing, my account was not overdue and I have never been in collections.

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 2016-10-29
Company: Acceptance Solutions Group, INC
State: WI
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I feel am being over charged. I had made payment arrangements to the lender. I refinance your loan at higher interest rates than the original request. In efforts to payoff the loan. I keep receiving emails that I am behind. but every two weeks a payment has been drafted from my account. After I make payment I get a collection letter stating no payment was made. Calling this agency the representives are rude, they hang up or curse at you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a whole bunch of old Addresses on my credit report from Experian that they did not want to take off. I have never lived at the addresses. The addresses do not show on XXXX XXXX or XXXX. I have taken action against Experian by trying to file disputes but they were not having it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: HW Holding, 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 status incorrect

Complaint:
My credit report has an account for Hunter Warfield and it is listed as a closed account. It is also reporting as being paid late this month which lowers my score. I have disputed it and have spoken to the customer service representative concerning this. The agent does not seem to understand English well and continues to tell me that it will remain on my report for 7 years. I continually tried to explain that the report is inaccurate but nothing ever happens.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: Community Health Investment Company, LLC.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
My hospital bill that I have consistently been making monthly payments on since its origin, was turned over to a collection agency " Professional Account Services Inc. on XXXX/XXXX/XXXX. I sent the collection agency a CEASE & DESIST letter on XXXX/XXXX/XXXX explaining that I was settling the debt directly with the hospital and not to make any further communication to me regarding this account. They recently sent me a letter on XXXX/XXXX/XXXX explaining that they have been trying to unsuccessfully contact me by phone & advised me to pay them the debt by phone with a credit card. They sent me another letter two days later on XXXX/XXXX/XXXX threatening to place negative marks on my credit report unless I contact them to resolve this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediatelyXXXXXXXX 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 2022-05-13
Company: Experian Information Solutions 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 # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) also s tates 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 2020-04-19
Company: RateGenius Loan Services Inc
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
RateGenius is a auto refinance company online which offers auto refinance service. They advertise that you can apply with no impact to your credit score. I filled out t he online form ( nowhere does it authorize a hard inquiry unless you move forward and accept their proposed loan terms ). Someone from their office contacted me and offered an absurd rate. I told them no thank you and to close out my request for information. AFTER I requested that, they then did a hard pull on my credit file, negatively impacting my score. I never authorized the hard pull and it should be removed from my file. They don't respond to request, as they're clearly some shady fly-by-night company. RATEGENIUS/XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX The above is the information as it appears on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  XXXX ACCT # XXXX, ACCT # XXXX, ACCT # XXXX, ACCT # XXXX ACCT # XXXX, ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX, ACCT # XXXX  ACCT # XXXX. XXXX XXXX  ACCT # XXXX XXXX XXXXXXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have 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 1681c ( a ) ( 5 ) section states 2 ; it also a 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Many things but the most recent is after being denied a modification for many reasons and 4 years of being abused and tortured I finally received one in XXXX 2014. I was given a XXXX/XXXX arm. I had numerous questions about the documents but was told if I do n't sign them like it 's written they would take my home. After over 1 1/2 years of making modification payments I receive a statement in XX/XX/XXXX that that said I owed back escrow and my payment will go up almost {$300.00} which is now more than I was paying before the modification. I have not paid the extra money because I think what they 've done once again is illegal. But they are now charging interest on the amount I 'm not paying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-14
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called my mortgage company over six months ago which is freedom mortgage and asked them to drop my mortgage insurance since houses on my street were selling for almost {$150000.00} over my initial loan amount. They said that the mortgage insurance was based on the amount that the house was initially paid for and could not get rid of the mortgage insurance

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 2022-05-13
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-14
Company: EQUIFAX, INC.
State: LA
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 am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer and natural person have been violated by EQUIFAX for furnishing inaccurate and unfair information which is ruining my character, reputation and mode of living. I was notified of this transgression of my rights specifically 15 usc 1681- The Fair Credit Reporting Act. I as a natural person have a right to privacy and was harmed by EQUIFAX furnishing an inaccurate account and unfair information to my consumer report. Your inaccurate reporting is of no value to me. According to 12 cfr 1022 a furnisher must have reasonable policies and procedures concerning the accuracy and integrity of furnished information. For violating my consumer 's right to privacy and furnishing inaccurate/unfair information you are liable up to {$1000.00} for civil damages pursuant 15 usc 1681n .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Other

Complaint:
When we purchased a large-format, curved-screen TV at Best Buy, we were offered an extended warranty. We declined. Some days later, we received a call from the extended-warranty people, asking if we had made a mistake, warning that we should buy the warranty. 

I was tired, and rather frightened and intimidated by the caller. I submitted, and bought the extended warranty. Afterwards, I came to my senses, and realized that the one-year warranty, which came with the purchase, was sufficient. We did not need or want the extended warranty. 

I called to decline the warranty, and request a pro-rated refund. The person said that it may take " XXXX or XXXX billing cycles. '' This credit company ( Synchrony ) is not alone. 

This customary delay seems to me an obvious ploy by credit-card companies. They could make refunds immediately, or nearly so, if they wanted. At most, they might require XXXX or two business days, not XXXX or XXXX billing cycles. 

Just as they are able to charge consumers immediately, or nearly so, they could refund their money, if they wanted to play fairly, by the same rules, as with consumers. 

I hope the Consumer Protection Bureau might be able to intervene, and protect consumers from this predatory abuse, and common practice, of credit-card companies. Thank you. 

XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Northwood Asset Management Group
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I mistakenly took a payday loan from XXXX for {$2000.00} in XX/XX/2019 ( I believe this was the amount because I can not find the original paperwork because XXXX sold the account and the links are no longer valid ). In XX/XX/2019 I realized I had become overextended with payday loans ( I had three other loans ) so I contacted a debt mgmt team. They advised me that all of the loan companies worked with them except for XXXX. I contacted XXXX many times via email ( which I can provide ) and by phone ( no answer ). I advised them to please work with my debt mgmt company so I could pay them and they never answered me. I do not have the money to pay them and I am working to pay the other loans because they are working with my debt mgmt company. In the last two weeks I was contacted by a XXXX XXXX (? ) from Northwood Asset Management ( who apparently bought the bad debt ) who calls from a local number and leaves a toll free number to call back regarding a " personal matter ''. I called her back last week and when I advised her I had tried to work with XXXX multiple times she laughed and said " That's not what they said ''. I advised her I was working with a debt mgmt company and she wanted the name. I advised her that after trying to work with XXXX and them not answering me I had to pay the creditors who were working with me. She said " Well it doesn't go away and the lawyers are going to sue you for {$11000.00} ''. She sounded very threatening and laughed at me a few times. I was in the middle of my workday and needed to get back to work so I advised her to send me the information however I am not trusting of this company due to their bad XXXX  reviews and predatory factors. 

Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Experian Information Solutions Inc.
State: IL
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:
FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

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