BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-25
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have two cards with Chase- ( 1 ) XXXX XXXX ) ( 2 ) Amazon PRIME card. I have never missed a payment. I manage my account online and receive paperless statements. On XX/XX/2022, it came to my attention that my credit line had been significantly reduced. I called to ask why and the customer service person read a form letter that they said they mailed to me - through regular mail. As I mentioned, I manage my account via paperless statements. I had NO IDEA my credit line was - without reason - reduced. Here 's the thing : CHASE can do this and then charge people outrageous " over the limit '' fees. I was lucky, I paid my balances and closed my account. This will impact my credit score. It's a scam- and I want to make you aware of it. I want some kind of action taken -please let me know what I can do to make sure this doesn't happen to someone who has their back against the wall. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: OH
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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This Medical Debt is being inaccurately reported on my credit report and I am asking the CFPB to have it dropped or removed from my credit report for wrongfully trying to collect a debt that docent belong to me. 

Credit Card XXXX XXXX XXXX XXXX XXXX Balance {$460.00} Opened XX/XX/2021 XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It all started after I got my purse stolen in 2021. Someone has been applying for credit and opening accounts in my name ever sine. I filed a Police report and a FTC report. Hopefully ya 'll can help me as well.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: VA
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Experian Information Solutions Inc.
State: VA
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, Experian 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 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 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 XXXXXXXX has violated my rights .

15 U.S.C 1681 section 602 AStates I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also saves a consumer reporting agency and not furnish an account without 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 2022-11-28
Company: Atlas Credit Company, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XXXX have communicated with Atlas Credit many times on this issue. I was attempting to work out a payment arrangement with them because currently times have been hard. Their management staff crossed many lines. Then started to insult me personally, and started XXXX me, my family and my work via the phone. It got so bad that myself and my family and my company have had to change numbers or block them via phone systems. I have told them to stop and just send me to collections and they refuse. Now they continue to send tacky letter after tacky letter. They even had a lawyers office contact me via mail. When I talked to that lawyers office, they stated that Atlas just uses them to try and scare people. I want to quit being XXXX  by Atlas.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 fraudulent accounts and personal info reporting on my credit report. It do not belong on there. I have documents of SSN, DL, Fraud Report. Please remove negative accounts and personal information on the fraud report! 


In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments 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 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 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 non-monetary relief
Consumer complaint received 2022-07-27
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Account was frozen and couldn't access money. Customer service said to have money transferred to other account in order to have access to my money. I created another account to transfer money into per customer service. Transfer was completed by then account was frozen just like the first acct. Now both accounts frozen. 
Provided all information requested several times to resolve the issue. Was told 7-5 buisness days inwould here from specialist to resolve the freeze. I have not received follow up and my money is frozen i. The second acct. This is all the loney I have. 
First account is now $ XXXX and acct frozen. I can not pay as long as my money is f oz n in the second account and explained this time and time again. The acct was supposed to be.unfrozen to allow me to transfer money from the second acct nack to the first acct which will cover the $ XXXX and unfreeze that account for my use. Once transfer completed they would then clise the second acct. I did everything they asked from me so that the specialist could work with me on correcting the accts and close my ticket. No one is following up, nothing has been fixed and they are holding my money.since XX/XX/22 and nothing I could do to get access. They kept me.on hold for XXXX hours, XXXX hours 3 times and hung up each time. Supervisor and specialist hung up phone calls once. This is unethical buisness practice. Inadvised verbal and written that this is very urgent as i can not make ut day to day withall thw money i have frozen in the acct. This has cause so many issues and stress that now im reaching out for someone to help me communicate with them and get this resolved because i do t onow what more to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are 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 non-monetary relief
Consumer complaint received 2022-09-19
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My current mortgage servicer ( Shellpoint ) acquired my loan from XXXX XXXX, in approximately XXXX of XXXX. At the time I was paying {$1500.00} per month to XXXX XXXX. XXXX XXXX always set aside a portion of my payment towards escrow. In an escrow account they set up for my account. When they transferred my account to Shellpoint, I was still paying the same {$1500.00} per month. For a while I didn't even know they had transferred my account. But I continued to make my {$1500.00} monthly payment to Shellpoint. It turns out that Shellpoint failed to set up an escrow account for my payments, and they, in fact misapplied my entire {$1500.00} to " principal & interest ''. Not setting aside any amount towards escrow and not informing me that they viewed my monthly mortgage payment as {$680.00} per month.. Yet not applying the remaining {$820.00} to my escrow account. This went on for approximately 2 years.

Sometime during the pandemic, when businesses were shutting down, I received several threats from various collections companies threatening to garnish my wages. I sought the help of a lawyer ( big mistake ) who decided I needed to file for XXXX XXXX, instead of just dealing with the 2 small collections companies who were making the threats. I was not behind on my mortgage. When I filed, based on that lawyers very bad advice, Shellpoint decided that all of the payments that I made and they did not take out any escrow, they would put into their XXXX and claim that I owed them back escrow payment?!? They unlawfully claimed that I owed them in excess of {$14000.00} because I did not make any escrow payments... Even though, I did... But They were the one 's who were negligent in 1 ) Not opening an escrow account for my account until literally XXXX of XXXX. And 2 ) They misapplied the proceeds of my payments by not separating my escrow portion of my payments, and instead applied the entire amount to my principal & interest. Further, they are now claiming that they do not have any record of my most recent payments. I am paying them, they are losing track of my payments. When I call they don't seem to have a clue as to where my money went. Even though I have receipts from my bank for each of my payments!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2020-04-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In late XXXX or early XX/XX/XXXX I went online to the Carrington Mortgage website and attempted to retrieve my 1098- Tax Statement for XXXX. It was no longer available as all of my documents other than one showing for XXXX were missing. So I called the customer service number and requested my 1098 Tax statement for XXXX so that I could file my XXXX tax return by the XX/XX/XXXX deadline. I advised them of my new address so that the confidential document would not be mailed to my former address. I was advised that it could take 5-7 business days. Due to COVID-19 I allowed several weeks for possible delays in mailing. 
In late XXXX or XXXX XXXX, I called again requesting the XXXX statement and confirmed with the agent my new address. The agent indicated that it was mailed out and that since I had yet to receive it she would again mail out the XXXX statement and that the time to receive it would be 5-7 business days. 
I have repeatedly attempted to call again and due to COVID, I am no longer able to speak with anyone via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: NC
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 Acct # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was awarded {$3000.00} on XX/XX/2021 Next day I received a text from EDD Alert stating I had to reactivate my Bank of America card and sent me a link that took me to an actual edd website and had me enter my credit card information. I fell for it because of how the website looked and after that a couple min later I received a text of my new balanced someone had transferred {$2900.00} into a savings/checking account which I didnt own a checked or savings account or I didnt authorize that. After filing a claim with Bank of America on XX/XX/2021 I been getting denied and its still under review. Now if I would to go to the website its a broken link

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 monetary relief
Consumer complaint received 2023-10-02
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I recently had my school loan transferred to Nelnet. Now, because I had a previous account, which the system recognizes, I have not been able to log on. I took the time to retrieve my username in an effort to reset my password. However, the system did not send the username thus I was at an anpass. I called Nelnet and typically you are on hold long enough that I had to hand up because I needed to attend a meeting. I think both times I called I was on hold for about an hour. I emailed the company with very detailed information because I am a XXXX XXXX and know the terminology. I received a XXXX email instructing me to attempt to retrieve my username. This means either they did not read my email or they outsourced their support department to someone who does not understand XXXX. Either way, I have been waiting for a response from them for XXXX XXXX weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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 the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-18
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 XXXX 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 open end consumer credit plan as a 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 2022-06-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/22 I received an alert from my bank concerning a new inquiry from XXXX. I don't need another credit card and I went to my bank for guidance. They told me to call 1 of the credit agencies and I called Equifax to put a freeze on my accounts. I did and was told that he would alert the other 2 agencies as well. 
Today ( XX/XX/22 ) at XXXX I got a call from XXXX ( XXXX XXXX ). She informed me that someone was using my S.S. # and my credit report to obtain a XXXX XXXX in Utah. She gave me the application # ( XXXX ) and told me to file this report. She also told me that I needed a copy of this report and my I.D . to be faxed to XXXX ( XXXX ) in order to prosecute this individual. I don't know why? I'm the victim here. 
I was scammed for {$29000.00} on XX/XX/22 by a guy named XXXX ( XXXX ) and reported it to the FBI ( of which I haven't had and response from ) so I don't take any chances. I have changed all my passwords, scrubbed my computer, got a VPN for my devices and go to the bank as soon as I have a concern.

Company response to consumer: Closed with explanation