BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I posted an item on XXXX XXXX. First time seller. In the first 1h of posting the item I received 4 messages. I replied to one and the 'buyer ' told me he would pay me asap and have his son pick up the item later in the day. He suggested XXXX. I said ok send me the money ( {$550.00} ) and I gave him my XXXX info ( email and phone number because I wasn't sure which one I had connected to my account ) and then he said he sent it and he wanted an screenshot of the email of confirmation. I found the email from " XXXX pay '' and it indicated that only a maximum of {$500.00} could be transfered so the money was pending. The email also said that the transaction couldn't be cancelled and that in order to continue with the transaction I had to create a XXXX Business account and the only way to do that was for the 'buyer ' to send me {$1000.00} and then I had to send {$450.00} back to the 'buyer ' so the transaction would process. The 'buyer ' was insisting and constantly texting me as to put pressure and make me believe that he trusted me by sending {$1000.00} and asking me whether or not he could trust me with the 'extra ' {$450.00} he was adding so the transaction could take place. I asked for his XXXX info and send the {$450.00} which was pending on my XXXX account connected to my Chase checking account. Then I proceeded to get a phone call which appeared on my cell phone as " Chase '' and I answered. The " representative '' told me he was calling because of a XXXX transaction that needed approval. He proceeded to confirm it was me by asking 3 security questions related to addresses I had lived in the past and places I had worked at. Then they sent me a code on a text which I had to give to him so he could verify my identity and proceed with the transaction. After that call, the XXXX transaction was delivered and so I informed the 'buyer ' that I did all that was required but then the 'buyer ' kept saying he still had issues with the money. I proceeded to get another email saying that a Government fee of {$1000.00} had to now be paid in order to get the money transaction to proceed. Unfortunately, it was only until that point that I realized all was a very elaborated scam. I called Chase bank and they said they couldn't do anything about it because it was a cash transfer. I called XXXX and they said that they are aware of many scams and they were sorry but there was close to nothing they could do about it. 
The other 3 people that also contacted me on XXXX XXXX were also scammers. They initiated the communication in the exact same manner offering to pay through XXXX. They never replied or left the chat after I asked for other ways to do the transaction or for the transaction to proceed in 2 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: CA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted the account listed below & they told me I've never missed a payment, yet Equifax refuses to fix the account from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct this damaging negatives from my profile. 

XXXX XXXX  XXXX Late Date XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is still reporting this collections accounts XXXX XXXX XXXX as verified and accurate. How can that be? This collections account shows an PAST DUE balance of {$830.00} and an OPEN status. This is illegal and in violation of several 15 U.S.C. laws. This collection 's account CLEARLY is in violation of my rights as a Consumer and MUST be deleted from my credit report ASAP. 15 U.S.C 1681 section 602 A. States I have the right to privacy. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

100 % proof of violation under federal law ( See attached file )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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: Information belongs to someone else

Complaint:
THESE ACCOUNTS ARE FRAUD AND I NEED THEM REMOVE FROM MY FILE 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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
the Fair Credit Reporting act XXXX Account # 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 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 non-monetary relief
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: CA
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. 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 correct : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TD BANK US HOLDING COMPANY
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been informed that I am very likely the victim of identity theft. This has been brought to my attention by a credit card issuing agency ( XXXX XXXX XXXX XXXX ). They contacted me over the phone to confirm an application I never submitted. Disturbingly, they provided accurate personal details on their end that was provided to them by an unknown individual ( identity thief ). There are unrecognized inquiries on my credit report and an attempt to open a credit card account I have not applied for. My social security number has been compromised as well as other private details like phone number, address, and even my state issued drivers license number. My tax returns may also be target and potentially filed for me, as well as bank accounts attempting to be opened per my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing has not payed the property insurance for property that I inherited from my daughter 's estate. I had the property insurance changed from XXXX to XXXX because of the cost premium. XXXX is less, and XXXX is more than three ( 3 ) times as expensive. 

Fay Servicing ignores, omits and misrepresents many request to have the insurance, recognizing my legal interest to the property, accounting summary, payments made by me on the mortgaged property, AND does not clearly communicate the legal requirements for my keeping the property. 

Fay Servicing has requested I sign acknowledgment documents that I do not understand and has made me feel very, very insecure about my legal rights to the property. The " successor in Interest '' has made me feel/believe and question my rights to the property, despite the XXXX XXXX XXXX XXXX XXXX Georgia has appointed me the administrator.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX  Account # : XXXX, has violated my rights. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX Account # : XXXX ****, has violated my rights. 
XXXX Account # : XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX  XXXX XXXX  Account 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 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 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 non-monetary relief
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDING WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATEDMY RIGHTS 15 U.S.C 1681 SECTION 602 ASTATES I HAVE THE RIGHT TOPRIVACY 15 U, S, C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONCUMER REPORTING AGENCY CAN NOT FUMISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Good Evening, I'm reaching out to submit a complaint in regards to several accounts on my credit report and profile that I did not sign for given written instructions to be furnished on my profile nor report that I've d

isputed several times via certified mail. The dates I've disputed are as follows : XXXX XXXX XXXX. No action was taken by the credit bureaus. 

In accordance with the FCRA ( Fair Credit Reporting Act ) U S DEPT OF EDXXXX ACCT XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT 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 states that 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 2022-08-03
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # : XXXX, has violated my rights. 
XXXX Bank Account # : XXXX, has violated my rights. 
XXXX and XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX Account # : XXXX ****, has violated my rights. 
XXXX Account # : XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account 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 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 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 non-monetary relief
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDING WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATEDMY RIGHTS 15 U.S.C 1681 SECTION 602 ASTATES I HAVE THE RIGHT TOPRIVACY 15 U, S, C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONCUMER REPORTING AGENCY CAN NOT FUMISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDING WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATEDMY RIGHTS 15 U.S.C 1681 SECTION 602 ASTATES I HAVE THE RIGHT TOPRIVACY 15 U, S, C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONCUMER REPORTING AGENCY CAN NOT FUMISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION

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 2022-08-03
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
hello my name is XXXX XXXX XXXX and i live at XXXX XXXX XXXX XXXX XXXX, Arizona.Plea.se remove other names and address

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 2022-08-24
Company: NCB Management Services 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: Account information incorrect

Complaint:
XXXX has incorrect information on my credit report and according to FCRA, I have the right to an accurate credit report. 
The report says I opened account in XX/XX/2022 and made zero payments and XXXX payment amount and term was for one month. I never opened an account in XXXX or would agree to one month payment. The amount states {$2200.00}. 

Also same account NCB Management, collection agency violated the FCRA : Debt collectors are not allowed to call friends or family members and discuss account. 

NCB Management violated this 3 times by calling a family member discussing my account and asked them to pay {$1300.00}. 

Each violation is a fine of {$1000.00} and they have violated it 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I refinanced with PHH Mortgage Services Corporation, XXXX XXXX, XXXX in XXXXXXXX XXXX 
At that time, they had told me that my " silent second mortgage '' would be paid off w/said re-finance. 
I went to obtain a home equity loan from my credit union and they were the ones who alerted me to the fact that that " silent second mortgage '' was never discharged. 

PHH is now telling me that I owe HUD XXXX XXXX  - which I was NEVER advised of. Not by PHH, not by the closing Attorney. 
There is NOTHING in my closing documents that indicate this. I would NEVER have re-financed had I known this .... 
I had told the bank all along that the purpose of the re-finance was to do some house repairs- which we did. 
They never told us that we first needed to pay a HUD loan. Also, PHH made us pay off a Home Equity Loan, a loan we had on a hot tub ... XXXXWhy wouldn't they have told us that we needed to pay off the HUD Loan? Because they were being deceitful and not telling me. 
I FEEL LIKE I HAVE BEEN SCAMMED BY PHH AND NEED ASSISTANCE ...... 

Have filed a complaint with the XXXX as well. I have all of my emails and loan documents if you need copies ..... 

CAN YOU PLEASE ASSIST BEFORE I NEED TO HIRE AN ATTORNEY? I will be seeking DAMAGES as well if I hire an Attorney becuase this is holding up my home equity loan - and rates are increasing ..... 

Thank you so much. 
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 2022-08-03
Company: DISCOVER BANK
State: WA
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:
1 ) Was charged on XX/XX/XXXX from XXXX for XXXX on my Discover Card XXXX ) Disputed the charge on XX/XX/XXXX as there was no record on XXXX of this transaction as my plan was cancelled. I uploaded these documents to Discover.Com in the dispute case XXXX 3 ) Discover reached out on XX/XX/XXXX via email and notified me that the dispute was investigated and found to be in my favor. The email stated " If the merchant provides information indicating the transaction is valid, we may reverse the credit adjustment and notify you with a copy of any documentation we receive. In that case, you will be able to provide additional information if you wish to continue the dispute '' 4 ) In XXXX the transaction was posted to my account. No notification from Discover that this was done. 
5 ) On XX/XX/XXXX my auto pay paid the XXXX dollars. 
6 ) Contacted discover and they stated that my transaction was still under investigation and that was why it was posted back to my account. 

Reviewed my XXXX account and new charges were attempted to Discover on XX/XX/XXXX but never appeared on Discover statement and do not add up to XXXX dollars. These charges were not approved or authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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/2021 I received two inquires from XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). I purchased a car, using XXXX XXXX XXXX. I did not recognize those two inquiries. I reached out to the company via CFPB, and received the attached response. They state that they have no record of anyone by name. Therefore it proves there is an error with this report.

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