BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted XXXX XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX XXXX  and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.

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 2022-05-25
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 act 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 account without my written instructions XXXXexperian XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX acct XXXX XXXX {$6500.00} XXXX XXXX XXXX acct # XXXX {$500.00} XXXX XXXX XXXX XXXX acct # XXXX {$3700.00} XXXX XXXX # XXXX {$260.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: Harpeth Financial Services, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Because the rate or fees, as they call them, are so high i will never be able to pay off the loan. I keep making payments and the amount keeps going up and they will not work with me. 
I spoke with XXXX XXXX who is the XXXX of XXXX who assured me if I stopped using the line and if i kept making regular payments ( promise to pays ) he would work with me so the balance would go down instead of up!! But he has not! 

It was originally a XXXX and even thought i have never had a month where i did not pay at least XXXX bucks it is now close to XXXX!! It was only opened less than a year!!! 

That is the definition of predatory lending!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: OH
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:
A auto account was opened without my knowledge. I have ttied to fix the problem numerous time. With that being said under the many rights were violated under FCRA such as but not limited to, Defamation, financial injury US Court of Appeals, XXXX  Circuit, No. 00-15946, Nelson vs. Chase Manhattan. Also FCRA Section 623 & FCRA Section 604 ( A ) ( 3 ). Attached will be multiple documents in order to substantiate my claim.

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 2022-08-18
Company: Experian Information Solutions Inc.
State: IN
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:
To whom it may concern, I'm filling this complaint because my Consumer Rights are violated. I have made this credit reporting agency aware of these violations. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Thanks in advance for your assistance in this manner.

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 2017-02-27
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card
Issue: Credit determination

Complaint:
I recently applied for a Chase freedom card. I received a letter from Chase today ( XXXX/XXXX/17. ) This letter was denying my request for a few reasons. After reviewing all of my credit reports, and the letter, I find that Chase has no justification for denying my request. For example, Chase claims that I have a credit card that has not been paid on time - NOT TRUE. I have a new account with a 100 % on-time payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: BB&T CORPORATION
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX 2009, we entered into a retail sales agreement with Regional Acceptance Corporation, which has an office in XXXX, Ohio, among others. The contract was for a purchase of almost {$18000.00} for a used car. The interest rate RAC gave us was 23.75 %, which equaled total " finance charges '' over the 66-month life of the loan of {$14000.00}. This was a total contract amount of {$32000.00}. 
During repayment, RAC failed XXXX times to allocate the agreed amount to principal from our monthly payments, for a total underpayment on loan principal of {$5800.00}. Included in these XXXX failures were five months where RAC allocated XXXX of our monthly payment dollars to principal. 
Furthermore, because we paid late, RAC charged extra interest in excess of the amount allowed by Ohio contract law, over the required amount by a total of XXXX. 
Overall, we have been required to pay XXXX payments for a total of {$35000.00}, or XXXX percent more than was originally agreed. 
When contacted and informed of their mismanagement of funds, RAC 's reply was that they were entitled to reduce our principal payment every month because we paid after the due date, although the provision for this in the sales contract and Ohio law instead allow the lender to extend the contract with more payments based on the amount of extra interest accruing, with written notice given to the borrower. RAC now insists that, after XXXX payments resulting in an 8.8 percent total overpayment of the contract, that we still owe more than {$3200.00}, or 18 percent of the original principal agreement. Their representatives repeatedly deny that RAC has done anything inappropriate, even when confronted with details of underpaying principal, overpaying interest, and using wrong APR and per diem to calculate extra interest for late payments.

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 2022-05-25
Company: EdFinancial Services
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The student loans that are on my credit score isn't anything I've done to be completely honest my ex husband used my info without me knowing and without my consent and I would appreciate it if you guys would take them off because I haven't been to any colleges or took any school loans out

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Chime Financial Inc
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I report this all as unusual transactions that was made on my account in the month of XXXX that started over the range XXXX XXXX XXXX. Are reported this as fraud in unusual unauthorized activity that I did not have any knowledge. Transactions as follows {$150.00} XXXX XXXX {$10.00} XXXX XXXX {$250.00} XXXX XXXX {$25.00} XXXX XXXX {$75.00} XXXX XXXX {$120.00} XXXX XXXX {$29.00} XXXX XXXX {$360.00} XXXX XXXX {$200.00} XXXX XXXX {$25.00} XXXX XXXX {$240.00} XXXX XXXX {$25.00} XXXX XXXX {$100.00} XXXX XXXX {$20.00} XXXX XXXX {$100.00} XXXX XXXX {$10.00} XXXX XXXX {$160.00} XXXX XXXX {$250.00} XXXX XXXX {$17.00} XXXX XXXX {$19.00} XXXX XXXX {$25.00} XXXX XXXX {$80.00} XXXX XXXX {$220.00} XXXX XXXX all these transactions listed above I reported as very unusual activity and fraudulent. I would like this case reopened and my money refunded back to me because their fraud protection department should flagged as Sporadic in random activity given all the dates that they withdrawn back to back like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-09-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL
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:
Car loan that is on my report has nothing to do with me at all. This is fraud on what is going on m report. I disputed these charges so many time and no one has done anything to take this car payment loan amount off my report. I never cosigned for the car loan that is on my report and I never cosigned for anything else, so this should never had been on my report. I don't understand why my score is always lowing when in my whole entire life I never had my credit always lose points so much like it has been. Someone really needs to investigate better on these reports when a dispute is amended. One of my reports has showed a high score for me. So I don't understand why these other 2 reports are showing false  accounts on my report. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
{$900.00} was taken out of my Checking account Through XXXX. I do not know who that person is. 
XX/XX/2020 QuickPay with XXXX payment to XXXX XXXX XXXX XXXX Till this day Chase have not given back my money! I already filed a complaint. Apparently this has been happening to a lot of CHASE Customers!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I mailed an escrow check for {$16000.00} on XX/XX/XXXX. I called on XX/XX/XXXX because the title company said the check had been cashed and it still had not posted to my account. I was told I had to wait XXXX days for it to post. 

I called again on XX/XX/XXXX and spoke to XXXX. She said she could create a Complaint Number ( XXXX ) but didn't do anything about the fact that my payment was due that same day. 

I called again on XX/XX/XXXX and spoke to XXXX. She created an Investigation Number ( XXXX ). At this point I had been charged a late fee and additional interest charges for the payment which was due on XX/XX/XXXX. XXXX said I needed to may a payment which I refused to do since I had sent a large check well in advance of the payment due date. She connected me to a manager upon my request. I talked to the manager XXXX, and explained that I refused to pay extra when it is the companys fault the payment is missing. I was told she could waive the interest and late fee once " to give more time to investigate the missing payment. '' I also sent her an email with a picture of the check I had sent to XXXX with the subject line " XXXX. '' As soon as I was off the call with XXXX, also on XX/XX/XXXX, I requested copy of the cashed check from the title company. 

I called again on XX/XX/XXXX for update on the investigation. I was told it was " still in processing '' and had not eve been assigned yet.

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 2022-05-25
Company: CCS Financial Services, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
the debt they are trying to collect is inacccurate. I believe I do not owe at all and was told my representatives of the company they are trying to collect for that I had closed out my account years ago and it was paid up to date. I have told them this and provided proof and also requested they prove my debt. All they sent me was a single page paper saying I am overdue. They will not explain what my charges are for or anything and said they were reporting to a credit agency

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Attempted to pull my free annual credit report from Big XXXX Credit Bureau  on XX/XX/2015
I was able to promptly receiving my copies from XXXX and XXXX but i could not obtain a copy with Equifax. After i  made a phone call to seek help i was told they could not  help me and they  had to Charge me $ XXXX to obtain a copy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; and XXXX XXXX XXXX : {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX, my former husband lost his job and we fell behind on our payments after using up our small savings. My husband had lost his job the prior year and we had been given a HAMP modification and had completed our trial payment plan. My husband became employed again and we attempted to enter a repayment program with XXXX XXXX XXXX. We were given a deadline by our loan representative to sign papers that was incorrect and it was too late and XXXX XXXX XXXX accelerated our note. I have emails from the loan rep documenting this in writing, We did not have the resources to catch up and have been trying to modify to keep this home for our son ever since to no avail. We divorced in XXXX and I returned to school and have been working as XXXX since graduation in XXXX. My income is more than enough to pay the mortgage on my home and the arrears, given time. I have a savings account and a retirement account. I have a home warranty so that unplanned repairs will not deplete my savings. I carry short term XXXX, long term XXXX and XXXX insurance so that bills will still be paid in case of illness or accident. If I am granted this second chance, I have done all I can to ensure I will not face a similar situation. This is the only home my XXXX year old son has ever known. I do not want to lose it. The foreclosure sale date is set for XXXX XXXX. I am working with XXXX for approval for the Florida Hardest Hit Fund which would give {$25000.00} towards our mortgage arrears. Unfortunately, the mortgage arrears are now {$58000.00}. If only they would accept the {$25000.00} and then work on a new mortgage modification or an extended repayment plan my son and I could keep our home. My yard is the one in the neighborhood that XXXX. I am the door that is knocked on when the kids forget their keys and are locked out. We will be sorely missed and a foreclosure will do nothing but lower home values. There has got to be a way to make them see that this is wrong. I just want to pay what I owe. Please help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: WELLS FARGO & COMPANY
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, the listed account has violated my rights. 

WELLS FARGO BANK, acct # XXXX 15 USC 1681 Section 602 : States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end and consumer credit plan as late for any purpose.

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 2022-05-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, I XXXX XXXX, a federally protected consumer, sent Equifax a letter disputing Acct # XXXX. ( Letter attached labeled XXXX ). Equifax responded on XX/XX/2022, stating that this account was verified. ( attached labeled XXXX ). This complaint is against Equifax, requesting their detailed procedure and method of verification sent to them on XX/XX/2022 via certified mail, giving them fifteen ( 15 ) calendar days for requested information. ( attached labeled XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: DC
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 XXXX # XXXX has violated my rights. XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX  account # XXXX Inquiries : XXXX XXXX XXXXXXXX XXXX XX/XX/2022 15 U.S.C 1681 section 602 States I have a 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no 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 report more than 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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 # 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for anv purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: U.S. BANCORP
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A card was taken out with US Bank without my knowledge or authorization. I have contacted them on several occassions but they have yet to resolve this matter. I notified them that I am a victim of identity theft and that account is not mine.

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