BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-29
Company: Sentry Recovery and Collections, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX is the first time I was contacted about this. My brother had been contacted months ago about the issue. They first told us it was about a broken lease, I explained to them that I paid the lease in full before I moved out and they actually had proof verifying my statements. That same day they called my brother back telling him if we did not go to the collection agency office to sign the contract of payment they will get him and myself fired from our jobs. My brother asked her why and how she would do this, she said she couldnt give him details because it was illegal but she had our employers information and she will contact them. A few hours later she called us back with a whole different story on why we owed {$1000.00}. She said it was cleaning fee and because I have left a couch in the apartment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: WA
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:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to 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 2022-06-15
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I obtained a second mortgage from XXXX XXXX  in XXXX and in XXXX the mortgage was charged off. I stopped making monthly payment since the account was charged off. 
I continued making payment on the first mortgage which I modified and current with my payment. But lately, XXXX, XXXX XXXX  who had not contacted me since XXXX when the mortgaged was charged off contacted me and demanded payment. 
I returned the call and the rep told me on the phone that it is a charged off account. 
i had a XXXX which Iam still under treatment and recovery program. 
My complaint is, since, the account was charged off by the bank in the year XXXX which is eight years ago, I am no longer in-debited for repayment. 
I want to know my rights and what can be done to resolve this matter. 
As of now, my income is limited. I will appreciate a favorable referral and resolution.

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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX XXXX Account # XXXX is still reported as open on my credit report. This account was closed when my insurance company XXXX paid off the loan balance in full after the vehicle was ruled out as a total loss on XX/XX/22.

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 2017-09-12
Company: ECMC GROUP, 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: Old information reappears or never goes away

Complaint:
The creditor ECMC has had a collection/charge off account on my credit profile which I have disputed several times because the student loans were consolidated and they were never late. The creditor keeps removing the accounts from my credit profile then places them back on my credit profile as a new collection account. This is impacting my credit score greatly as the accounts are in negative standing on there and being reflecting twice on the separate accounts and on the consolidated account. 

I have disputed them several times and each time the accounts were removed then placed back on my credit profile

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: DE
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 have been requesting the credit bureaus XXXX, Experian and XXXX to remove outdated accounts from my report now for over 12 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Delaware. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.

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 2017-09-12
Company: Hopkins Financial Services, Inc.
State: ID
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
i had a comnercial mortgage on my business i never missed a payment. the leander named hopkins financial has tried to say i missed 3 payments. there accounting practices are messed up i have proof of that. i never got a lettet saying that i had 30 to  bring it current. i gave them bank statements cancelled checks their receipt saying they recueved the payment and their atterony did n't care. they foreclosed on me i lost my property but they have done a wrongful forecloser and i am going to file a law suite against them like they have never seen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX  XXXX are improperly reporting on XXXX experian and XXXX credit bureaus.XXXX ... ..WAS INSURED BY XXXX and was covered at time of service.XXXX ... ... was covered by XXXX XXXX ' XXXX XXXX policy ( my mother ) at time of service.I have enclosed the XXXX policy card and the verifications by experian and XXXX.these debts should not be on any credit file as they are insured and the result of error.

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 2022-01-14
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Several fraudulent charges were made on my checking account by unknown people at local area stores. A person using XXXX contacted me to tell me that I was elIgible for a grant and stated that all I needed to do to receive the funds was to give them my XXXX XXXX PIN. My XXXX XXXX pin was then used to access my checking account for unauthorized charges. I reported this to my bank at CHASE and they closed the but never acknowledged the fraudulent charges. 

XXXX XXXX transaction for {$100.00} on XX/XX/2022 XXXX XXXX  transaction for {$75.00} on XX/XX/2022 XXXX XXXX transaction for {$75.00} on XX/XX/2022 XXXX XXXX transaction for {$270.00} on XX/XX/2022 XXXX XXXX transaction for {$120.00} on XX/XX/2022 XXXX XXXX transaction for {$170.00} on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Chime Financial Inc
State: MD
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:
XX/XX/2021 XXXX pm XXXX XXXX from a car accident. Card in physical possession. Boyfriend and roommate can verify. 

Multiple steak dinners in different states attempted to charge my account. I caught it immediately and moved funds. 

First charge : XXXX XXXX {$230.00} Second charge : XXXX $ XXXX lack of funds as I moved the money out of that account asap. 

I called the police, Chime, and XXXX XXXX. XXXX XXXX investigated for me. They admitted that some man that looked suspicious picked up an online order for this amount. Chime has avoided this issues. Every time I call chime it sounds like the same vocoder person. 

I have emailed them every day. No resolution just annoying delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: NY
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 Account XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 A 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: NJ
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 these accounts have violated my rights : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Payments have been made automatically for years without issue. 
Suddenly, now, the last payment they showing received is from XXXX 2017 putting my accounts 2 months behind. 
I have received many many calls and emails over the last year telling me my account was behind. 
Over the last year I have contacted the company 5 or 6 times. Each time I got a different story, ranging from " my account was confused with another person 's account of the same name '' to " because my bank sends the checks there is a delay with payment '' to " there is the wrong account number on my checks '' At this point my account shows that I am two months behind. I have sent the payments, and sent in proof of payments as well. 
When I contact the company ( or when my cosigner contacts the company ) they say that the payments are there, but just " have n't yet '' been applied to my account. 
This has gone on for weeks. I have been now contacted multiple times by a collections agency by phone and by mail. 
I am concerned it will start affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Multiple unauthorized inquiries listed on credit report. I disputed items with the credit bureau and was advised that the inquiries were authorized. I disputed again, asking for proof that the dispute was investigated. I never received any proof that the dispute was investigated, nor were the unauthorized inquiries removed. It is my contention, that without any proof that the dispute was never investigated and is a violation of the law.

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 2022-08-14
Company: Debt Recovery Solutions, LLC
State: CA
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:
Debt Recovery Solutions is illegally reporting false information for a collection with XXXX XXXX for {$310.00} they sent me a collection letter that states the account was opened on XX/XX/XXXX but reported to the three credit bureaus that I opened this account on XX/XX/XXXX this is also known as account re-aging which is highly against the law and now they need to cease all collection of this account and this needs to be removed from all three credit bureaus immediately under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: AL
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:
This company is reporting an account that there is no name listed for the company and that it's not listed by any of the other bureaus. I have submitted a complaint to Equifax directly and it came back verified. This is an FCRA violation of complete, whole and accurate reporting mandates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Experian Information Solutions Inc.
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:
FRAUDULENT INQUIRIES 1. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXXXX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX  XX/XX/XXXX6. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX  XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX GET THE CREDIT BUREAUS TO ATTACH MY POLICE REPORT TO THESE FRAUDULENT INQUIRIES ... THANKS

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 2017-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2017, total amount : {$200.00}. I booked a air ticket with XXXX air online with wrong date. I called XXXX back with in 3 hours to request to cancel my ticket. They rejected. Then I sought to get help from Bank of America Visa credit card help to dispute the charge. Per Department of transportation 24 hour rule : '' All U.S. and foreign air carriers regarding compliance with the customer service rule that requires carriers to hold a reservation at the quoted fare for 24 hours without payment or allow a reservation to be cancelled within 24 hours without penalty ( the 24-hour reservation requirement ). '' But BOA credit card company visa card customer care rejected me any request in this case.

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 2017-09-12
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
bought XXXX XXXX in XXXX. loan is thru Chrysler capital and serviced by bank santander. 
they changed accepting payments with my credit card in XXXX and now accept ach payments. 
can not use their web site to schedule payment or payments after repeated calls to them. 
they will get back to me and never do. last spoke to supervisor XXXX on XXXX and we agreed on XXXX hours to get back to me. never heard from him. I have payment due on the XXXX of the month and have to remember on the XXXX to call them to authorize by phone. this is unacceptable to me and feel they want me to pay the loan off due to the XXXX % rate. can not plan in advance, they make it difficult so that I give up. that ai n't gon na happen!

Company response to consumer: Closed with explanation