BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Hello XXXX XXXX here I deposit money in my account so can setup my birthday vacation.I was able too book hotel but when book cheap airline ticket chase block payment 3 time .I call them a get answer we seen you using your debit card so we block it.It m y money an telling me can, t spend it too setup vacation.they unlock card again i tried got a higher price airline ticked they block it again.I call them an only we sorry we seen u using your an locked your card.now i vacation coming up on XX/XX/XXXX can not airline ticket an all ready paid for hotel.Chase try tell me how too use my own money.took year too get a vacation an money an blocking from using my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to sell my home for XXXX years after being turned down by Chase Bank to help with our monthly payment. After XXXX years of waiting for a buyer we finally have someone that wants to submit a fair offer on the home but Chase 's refusal to provide a copy of the new appraisal is holding up the file. That 's all we need to proceed with the buyer 's offer to Chase Bank. Can you please help with this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
this loan from XXXX reported as XXXX on my credit reports is not belong to me i never apply for this loan i need it to be remove from my credit reports

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 2022-07-14
Company: EQUIFAX, INC.
State: TN
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 Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXXXXXX Account # XXXX has violated my rights. 15 US 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 absolutely 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 2022-07-14
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting XXXX XXXX # XXXX, 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, 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 non-monetary relief
Consumer complaint received 2022-03-21
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: Was not notified of investigation status or results

Complaint:
On XX/XX/22 I submitted letters to XXXX, XXXX and Transunion disputing accounts that were on my credit report that were not accurate. It has now been over 30 days and I have not received a response as of yet. I am trying to leverage my credit to build my business and this is slowing my process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: TN
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, Account # XXXX has violated my rights. 15 US 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 absolutely 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 2022-07-07
Company: Resurgent Capital Services L.P.
State: MO
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:
My name and information were used fraudulently with LVNV Funding LLC, on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30
Company: Navient Solutions, LLC.
State: IN
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 monthly payment has been on time for 4 years now, but it still shows delinquent on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2017-05-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express sent me an offer for  XXXX  pt bonus for Amex business card with special code. I called and verified I was cleared to receive this promotion even though I had this card previously. No where on the promotion does it say I would not be qualified to receive the promotion. The card was approved and I spent the {$5000.00} amount to wualify for the  XXXX  pts. I even called once I spent the {$5000.00} and they said I would receive the   XXXX   pts once I paid the {$5000.00} in full, which I did. I followed back up for my   XXXX   pts and at that point they said there policy had changed and that since I had this card previously and although it had been closed I do not qualify for the  XXXX  pt promotion. I have disputed this with them to no avail. They said they would send me   results in 30 days which now they say they dont even have dispute in system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Application processing delay

Complaint:
I called Chase on XXXX XXXX to convert my Chase Freedom card to a Chase Freedom Unlimited. While on the phone with the Chase rep, he told me the conversion was completed. It is now more than a week later and the card still has n't been converted. I 've called twice during the week ( once on XXXX XXXX and again on XXXX XXXX ) to find out the status and both times the representatives told me the conversion should have completed but that " they are n't sure what 's taking so long. '' Chase what is happening?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: EQUIFAX, INC.
State: GA
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 have sent several documents into Equifax asking them to remove this bankruptcy from my credit report. On  X/XX/2016    they sent me a letter  (  #  XXXX   )  saying my BK had been dismissed / discharged send in proof. I sent in my discharged BK paper .Then t hey sent me a copy of my credit report wit false information stating listed that Georgia  Fed  eral Court -Atlanta is source verifying my BK. Georgia Federal Courts do n't report to third parties. and they do n't report to credit bureaus. That is false information being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: MA
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: SC
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:
I requested on XX/XX/2022 that the three credit buearus provide information on how they verfied certain items on my credit report that I feel to be inaccurate. They have to respond. It has been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Aaccount : name XXXX XXXX XXXX In accordance with the fair Credit Reporting ACT XXXX  Account # XXXX/XXXX  # XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX ON THIS ACCOUNT ACCOUNT IS XXXX PAYMENT ARE MADE FOR XXXX EACH MONTH ON XXXX FOR EACH MONTH! 

THIS IS WHAT I HAVE FOUND THAT Incorrect? 




I have send to Experience and XXXX and XXXX  To Please verify inconsistent in my Report. 
I have submitted certified mail and for Them to verify Information in my credit report. 
I do not understand how they have responded with all accounts have been verified. 
I have found several inconsistencies in My report. 

Note : Experience : Name XXXX XXXX XXXX not XXXX XXXX I have send Copy of drivers license Also the account that they told they Verify Do not match with dates and amounts Also disputed inquires same company several inquiries. 
XXXX  XXXX time! 

Address is not Correct also send them copy of Correct address still not Change. 
Employment information also incorrect have send them my Employment information Still have not been Changed. 


XXXX DATE ARE Incorrect AS PER OPEN DATE and last Reported XXXX Incorrect date ALSO Mix information SAME Inconsistent XXXX  XXXX  Incorrect date on last Reported I have also Requested this Verification from 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 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Over the life of my Student Loans through XXXX XXXX and Navient, I have been continuously misslead over Forebarence, repayment structures, and, to make matters worse, I was not informed that my loans did not qualify for the Public Service Loan Forgiveness program established in 2007. I could be qualifying for that THIS YEAR had I known.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Since late XXXX to early XXXX I've been stressed completely due to the lack of diligence on XXXX end with my information being in the system. Since the years stated I have been constantly having to file disputes for the same company... XXXX. I have been dealing with my livelihood being at jeopardy and been decline credit due to having this repeated issue. XXXX keeps generating a {$600.00} collection that has already been identified and confirm by several employees and managers that the accounts have all been fraud since XXXX. I first became aware when I kept having to go to customer service just to pay my bill because when I called my number never registered in the system. I truly became aware when my credit score dropped and when I checked it said it was from XXXX. The entire time I thought I was paying my phone bill apparently a account never existed and I have no idea where that money was being applied. Upon becoming aware of this I tried until XXXX to fixed the issue and it was never resolved no matter how many times I disputed the collections another one was generated and applied with no account number to link to an actual account. Until this day in XXXX their system still say I never had an account with them but its still generating collections saying I owe them. Its now going on 5 years and I'm beyond distressed. I personal feel like the situation has been over looked for all these years because I am a minority and no matter to these companies. I've literally been to EVERY store in the XXXX and XXXX XXXX area to resolve this issue and for 5 years I haven't gotten anywhere only more inconvenience in my life. XXXX has consistently been the only collections I've had on my credit outside of student loans this situation has been completely unfair and to be limited for the last 5 years by a company that has ignore EVERY attempt of solution on my end. I had to show court documents showing I moved, show proof of the new address that the service was transferred to and all kinds of unnecessary inconvenience just to be told there was system isn't showing my account ever existed but keeps generating collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Threatened to sue me as well and filed motion in court. Opened credit card XX/XX/2007. Immediate annual fee of {$150.00}. Spent only {$170.00} total during 3 month period. Never purchased again after XX/XX/2007. Made payments totaling {$2000.00} and they 're claiming I owe more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pro Collect, Inc out of XXXX Texas listed a collection that I knew nothing about and is not mine. {$2700.00} on XX/XX/XXXX. They have my social security number and can't or won't explain where they got it from. I talked with them on XX/XX/XXXX about this issue. They're not telling me who submitted this information to them so I'm not able to contact the creditor to dispute .t. I disputed it to all 3 credit bureaus and XXXX was the only on that didn't remove it from my file. They stated that Pro Collect Inc said the information was correct. I know nothing about this.

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 2022-03-21
Company: CITIBANK, N.A.
State: NY
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 is incorrect

Complaint:
To Whom It May Concern : I reviewed a copy of my credit report and [ company name ] ran an unauthorized credit inquiry on me on [ date ]. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ca 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 2020-04-20
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On or about XX/XX/2020 Tower Loans ran my credit without my authorization and it caused my credit to have a hard inquiry this company has a judgment against me and no where in said judgement does it give them the authority to run my credit as the judgement supersedes the contract and they did this frivolously during a National Pandemic with the COVID19 going on the entire US is under a federal emergency and our state emergency also they are still attempting to collect a debt during these times is shameful and unprofessional and needs investigated as they violated my rights and the FCRA in doing so Im unemployed as a majority of the USA is and this must be investigated they even told a third party about my debt previously is why I quit paying on it which also violated my rights

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 2017-05-27
Company: Amsher Collection Services, Inc.
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:
I   check my credit report once a month to make sure that all of my accounts are being reported correctly. In  XXXX , I noticed a random collection company by the name of Amsher Collection services reported a collection on my reports with an acct # of  XXXX . It states that I owe   XXXX  . I do not have  XXXX  nor have I had their services in over 7yrs. I then started to get phone calls from this company. I spoke with them and informed them that I did not open a   XXXX   account and I do not owe them. I told them the account is fraudulent and not mines. The rep also quoted me some fraudulent address that is not mine. I have never received any letters from  XXXX  or Amsher Collection.
I have contacted all   XXXX   credit bureas regarding this fraudulent account. Since,   XXXX   and   XXXX    have completed their investigation and removed this account.
  XXXX    however has not removed this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation