BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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 2022-05-24
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer ) on behalf of XXXX ( a Fake Company ) all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire and through an intermediary named XXXX in the the total amount of XXXX USD utilizing People 's United Bank services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: MD
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 and 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: State Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
my son required an XXXX XXXX and my insurance was contracted with XXXX XXXX for this service. after having the machine for a few months my son no linger needed the machine and I called apria to come and pick up the machine, ( waited nearly XXXX mins for to speak to a rep ). They never showed up to pick up the machine. Called again a few times over the next few weeks waited on hold for over an hour to request for someone to pick up the machine. Finally about a month later I was able to sit on the phone and wait to get through to schedule a pick up. I then received a bill for aprox {$83.00} and I called and waited on hold for another hour or so to speak to someone about my bill. I had requested the machine be pick up last month and no one ever showed up. It is not my fault that they have no one answering the phone to schedule pick ups, i requested that the total be reduced. They would not work with me and extremely frustrated at this point, I ended up just paying the {$83.00} in order to just be done with them. Then a few month later I received a check from them for around XXXX dollars. I was confused but just figured they had done some kind of internal Audit and realized that they had over charged me. Then a couple month after that I received a call from a collection agency requesting the {$50.00} for XXXX XXXX, I called the Collection Agency and discussed this with them and told me that XXXX received the {$50.00} from my insurance and then paid it to me and now I need to pay it back to them? Why are they still collecting money from my insurance and why I am being sent to collections for the this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was absolved from this debt due to the other party that took responsibility, they refused to take off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: CHECK INTO CASH INC.
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
the collector contacted my HR department, left a voice mail ( which I still have ) saying they were a " remediation specialist '' and that I was " chronic '' on not repaying my loans and did NOT leave a message as to the name of the agency she was with. Only that her name was XXXX XXXX, Ext XXXX and the number XXXX. When I called the number back just a few minutes later I was told that she had left early for the day and that they were trying to collect the debt for Check into Cash. This caused my HR department to call me into the office and ask about this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached XXXX FTC report with inquiries I did not authorize

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 2022-05-24
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company I C System Inc has falsely claimed that I owe an outstanding amount from XXXX XXXX regarding an account that I never had. Ive never had XXXX and I have verified this multiple times. It is under an address that I have never lived at and opened during a time where I lived at another address. 


I C SYSTEM INC Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$310.00} past due as of XX/XX/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 2020-09-28
Company: FC HoldCo LLC
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:
Requested Covid 19 Hardship company accepted but claimed check was not received but they had cashed it over a month ago. Report I was late XXXX appox.

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 2015-12-18
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Transaction issue

Complaint:
When I used my American Express " Bluebird '' card at a gas pump I used my old zip code ( we just moved ) and the pump declined the transaction. Yet it put a hold on all of the funds on my card. When I called the company they will not release it for 8 days. I went to the owner of the gas station and they are large enough that they told me that they automatically released the hold to American Express. I got the Amex rep on the phone with the vendor who told Amex they would fax a release. Amex would not release my funds. I am denied access to my money for eight days and my transaction was declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-28
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX. I refinanced my mortgage from freedom mortgage to another lender. I closed on XX/XX/XXXX I was paid in full with freedom mortgage. I was owed a Remaining escrow Account payment of XXXX dollars. When I finally did receive the check it was in the amount of XXXX dollars. When I researched and called freedom they said that I owed a XXXX dollar fee. And a XXXX dollar fee and claim it was taken out of my payoff amount. I logged into my account and it shows that everything was paid in full on XXXX XXXX. Also the XXXX dollar fee showed on the same date and then on XX/XX/XXXX I was also charged a XXXX dollar fee. When I asked them about this they said it was never taken out of my escro and couldnt tell me where the money was paid from or what it was for. Ive had nothing but recurring issues with this company and thats the reason I left them. XXXX dollars or so might not be much but it is to me when I bust my XXXX  everyday to pay my bills everyday and pay them on time. I need help with this company XXXX plan on suing them. This is just wrong.

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 2021-01-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
One XX/XX/XXXX I did a consumer credit transaction with Chase Auto Finance. The total amount of the transaction was for XXXX ( which includes my down payment of XXXX ). This purchase was for a used vehicle and as per the retail installment contract, the finance charge was {$2000.00}. I ended up paying an additional {$12000.00} to finance the vehicle, which means that Chase Auto is in violation of the truth in lending act, 15 usc ch.41 1601. Chase failed to comply with 15 usc 1605 ( a ) as i should have not been charged any additional fees besides the finance charge as this section states that the finance charge is the sum of all charges. Additionally they are also in violation of 15 usc 1605 ( b ) as auto my auto insurance was not included in the finance charge. Chase failed to process this transaction appropriately and is in violation of 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) and they are required by law to pay twice the amount of the finance charge. On XXXX I sent Chase an Affidavit via UPS and it was received on XXXX. Today I am contacting the cfpb to get this matter resolved as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Equifax knows about a security breach affecting nearly half the population of the United States and says nothing for at least a month. Why do I have to learn about this through random posts on social media? Why did they try to hide a arbitration clause in the site simply meant to inquire if I have been a victim?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Regarding both the company and Experian 's latest response to complaint # XXXX, XXXX XXXX responded that it purchased the loan [ in question ] in XX/XX/2004, although it did not become the mortgagee. It appears, then, that the credit bureaus ended their investigations on a false premise about XXXX XXXX XXXX current role. What law [ under Georgia laws ] gives the initial mortgage lender the right to : 1 ) dishonor and ignore my request for it to discontinue reporting monthly billing amounts [ regarding the old/outdated loan ] ; 2 ) continue to report the false loan information on the flood certificates ; and, 3 ) refuse to correct false information about the current status of the loan? Based on my understanding, each credit bureau should have provided a resolution that is compliant with all relevant laws, including Georgia laws, that are specific to the situation currently at hand.

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 2022-08-29
Company: JPMORGAN CHASE & CO.
State: MS
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 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 2022-05-24
Company: Southwest Recovery Services, 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 : Southwest Recovery Services XXXX  have violated my rights! 
Account # XXXX in the amount of {$3600.00} & also, Account # XXXX in the amount of {$19000.00} 15 USC 1681 Section 602A States that I have a right to privacy!

15 USC 1681 Section 604A Section 2 States that a consumer reporting agency CAN NOT furnish ANY account information or personal information without the express written consent and authorization of the consumer! This company has NO such documentation from me! 
15 USC 1692 Section 805A States that a debt collector may not communicate with the consumer in reference to a collection of a place known or should be known to be inconvenient to the consumer! 
15 USC 1692 Section 806 Section 5 States that causing a phone to ring or engaging any person in a telephone conversation repeatedly with the intent to annoy, abuse, or harass any person at the called number! 
This company has violated ALL of these laws and several more for an extended period of time. Please Act within the full power and authority of your office and rectify these abuses and violations once and for all!!! 
Thank You XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
On XXXX/XXXX/2016 I contacted Midland Credit Management to pay a debt a settled amount of debt owed. All there communications to me was either a California address or XXXX Colorado. I was hesitate to give my banking account number and routing number so I told the gentleman I would pay it with credit card. Once payment was approved a foreign transaction fee of {$150.00} was attached. I feel that the company should have told me the charge was coming out of XXXX XXXX but that information was not revealed to me at the time. I am aware that the credit card company charges this fee but had Midland Management informed me correctly I would have used other options to pay them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-15
Company: JPMORGAN CHASE & CO.
State: GU
Product: Credit card
Issue: Application processing delay

Complaint:
XX/XX/2016 I applied for the XXXX Plus Credit Card by Chase shortly after received a letter asking to provide proof of physical address and DOB which I faxed over and a few week laters when I called got a confirmation that they received it on XXXX XXXX. By this a lady from the Credit Dept stated that I would be receiving a something in the mail. I asked if I was approved or not and she just replied you 'll get something in the mail. A week later no mail I called again and was told that I was mailed a letter to confirm my identity ( why could n't they tell me this the 1st time ). At this point the male mentioned that they will mail me another - I also asked to speak to a manager & was told that I will get a call back within 24-72 hours ... no call back ... a week later I called again which they put me on hold for over 50 mins ... I hanged up and called and was told a manager will call me back. 

It 's over 60 days from the day of my application over 45 days from the day they confirmed they received my pending requirements and still no word or nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Credit determination

Complaint:
See just filed charge against XXXX for same reason - rejected credit by Chase Bank on XX/XX/XXXX, per CFPB Case # XXXX, Reference Number XXXX, XX/XX/XXXX, Chase Bank USA , N.A . and parallel charge XXXX application No. XXXX, XX/XX/XXXX. XXXX and 15 U.S.C. 1693 unclear and individual consumer rights failed to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Professional Receivables Network
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Representative calls about persist with the debt collection, pressures into making payment arrangements and when I decline, remarks inappropriately. Representative, XXXX, also commented on the nature of the bill - ( referenced that I may have been ill because my frequent ER visits ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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: Credit inquiries on your report that you don't recognize

Complaint:
There were multiple inquiries made to my credit without verification or consent on XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date 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 2022-05-24
Company: Maximus Education, LLC dba Aidvantage
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 information incorrect

Complaint:
This furnisher is in direct violation of FCRA section 623, which states that a furnisher must not report inaccurate consumer information to CRA ( s ). The US DEPT OF EDUCATION, has been reporting student loans in incorrect status to ALL credit reporting agencies ( XXXX, XXXX XXXX ). Student loan status should be reporting as on time payments accordance with Section 3513 subsection ( d ) of the cares act. The resolution that I am seeking, is an updated paid to as if it were a regularly scheduled payment made by a borrower in accordance to the cares act section 3513 subsection D.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-27
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Issue: Advertising and marketing

Complaint:
Received blue cash preferred from American Express about XXXX and started purchases on XXXX. Today received first statement with a XXXX $ assessed annual membership fee. 
When applying on line for ABOVE card I do not recall seeing any such fee. Have concluded using this card for the assessed fee. My charges have concluded with my two week and three days XXXX.

Company response to consumer: Closed with explanation