BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX bank is reporting a late payment on my credit report for {$80.00} when auto payment every month is around {$400.00} on auto pay. I have set up this account years ago to auto pay and i have never removed or changed this feature. I just noticed this late on my credit. looks like the bank had a glitch on their end and is hurting my credit now.

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 2016-12-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
Contacted Credit Card Company ( JP Morgan Chase Visa ) to dispute a charge on XXXX. During the dispute process I provided valid proof of the claim ; Receipts from the new plumber, receipts of the damages caused by the XXXX plumber and video/photo evidence supporting the claim. JP Morgan contacted XX/XX/XXXX and is now requesting a XXXX from a XXXX validating the work performed from the XXXX plumber was inadequate and the services provided were not fulfilled. The response is due by XXXX/XXXX/16. Due to the holidays, this allotted time is not sufficient nor is it considered a reasonable request. This dispute was filed in XX/XX/XXXX with the Credit Card company. I was explained the merchant was given 30 days to respond and dispute the reversal charge. However, the same XXXX days was not given to me considering I received the notice on the XXXX of XX/XX/XXXX and they 're requesting a response by XX/XX/XXXX not taking into consideration the Holidays and business 's closures. Nor should this request be considered necessary. The merchant 's insurance company has accepted full liability and issued a check for the damages caused by the plumber negligence. I can not comprehend the necessity to provide additional information that is outside the scope of the services that were not performed by the plumber nor should I incur additional expenses to pay for another plumbing company to write-up a XXXX Opinion letter. An addition, why should I be responsible to pay for something that was not done correctly resulting in personal damages caused by the business 's negligence. The services were not fulfilled. I had to pay another plumber to come-out and fix the issue caused by the previous plumber. I have provided this evidence to JP Morgan Chase and their stating VISA is not accepting this documents presented as substantial documentation. This is not a logical or reasonable request and undermines the consumer protection laws meant to protect consumers from paying for services that was not fulfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
When I assessed my credit report via Identity IQ on XX/XX/22, it was noted that according to XXXX, Equifax, and XXXX, the United States Bankruptcy Court Eastern District of Virginia reported bankruptcy. I mailed a letter to the Bankruptcy Court to validate the account. It was verified by the Bankruptcy Court in a document dated XX/XX/22 that " The Bankruptcy Court does not furnish any information to the credit bureaus, as we do not have any jurisdiction over credit reports. Each credit reporting agency conducts their own research and report their findings. If there are any discrepancies showing on your report, you will need to contact that credit reporting agency and discuss the matter with them, as it will be up to that agency to update their records and to remove any information, if need be, from your report ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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:
In accordance with the fair credit reporting act i have several accounts that have violated my rights. *15 USC 1681 602a states i have the right to privacy and *15 USC 1681 section 604a section 2 also states a consumer reporting agency can NOT furnish a account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor ) XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX AccountUS DEPT ED XXXX US DEPT ED 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 2022-07-22
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2021 at XXXX XXXX XXXX I purchased XXXX XXXX XXXX XXXX XXXX XXXX  -- parent company XXXX -- with {$100.00} value. The card was activated. I tried to register it the morning of XX/XX/XXXX to no attempt. The sticker on the front says the card can be used at a merchant without registering it. My son took the card on a field trip to XXXX XXXX XXXX XXXX and tried to use it for lunch -- the reason we purchased the card. The card was declined. I contacted XXXX customer service. XXXX confirmed the card was activated per the above but then deactivated because there had been a fraudulent attempt on the card in XX/XX/2021. He told me I had to register the card and he would mail me a replacement. I told him that wasn't acceptable. I wanted to speak with a supervisor. He told me I could only do that if I registered the card. I told him I was not registering the fraudulent card. The remedy I seek is a refund of the card value {$100.00} and the {$5.00} fee I paid for the card. I also seek any other remedy available. XXXX and XXXX 's activated a card that XXXX XXXX  systems at least detected fraud on immediately after they took my money. XXXX should have never let the card be activated. This a consumer fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Wrong address. Never stayed at XXXX XXXX XXXX XXXX, Ms 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 2022-04-18
Company: EQUIFAX, INC.
State: TN
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:
To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : DEBT XXXX  XXXX  opened XX/XX/XXXX for {$630.00}, XXXX XXXX XXXX  opened XX/XX/XXXX for {$930.00}, XXXX XXXX XXXX opened XX/XX/XXXX for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: MD
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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 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 XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX, 15 U.S.SC 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 2022-07-22
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Filled out 8 Loss Migration packages. All completely. Freedom mortgage kept needing paperwork. This been going on for 7 years. They foreclosed my house and I was put out. Now I have XXXX XXXX and XXXX due to Freedom Mortgage with no place to live

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 2015-07-21
Company: Platinum Holdings Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I have received calls from " The Huntington Group '' - telephone number XXXX, XXXX, XXXX ( and more ) representing themselves as a number of varying folks from process servers to attorneys, up to Managing Partner, XXXX XXXX. They have now called my cell phone, my home phone, my work phone, and my work corporate office threatening a Summons to Appear, advising that they have been unable to reach me at my home, which is the same address that I have had for XXXX years. 

I have called these folks back, and they continually ask me to pay anywhere between {$500.00} - {$2000.00}, gradually decreasing each time I refuse, however, will not tell me what the debt is for, will not provide me proof or validation of the debt, and will not provide me with a mailing address to mail them these requests or a formal request to stop calling me until the debt can be validated. 

I have asked these people to cease calling me at any numbers until they can provide proof of the debt, at which point I am told that they do n't have to provide that since they are a " Legal Group '' vs. a debt collector, yet no record of the company exists. 

They refuse to end calling - most specifically my place of business, until I make a payment toward this unknown debt. They have threatened to come to my place of business and have the HR Director or my Managing Director call me into a meeting to serve me with the necessary files if I do not pay them directly, over the phone, without validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Other

Complaint:
I had an account well over 10 years ago with Discover Card. 10 years ago I had moved to brasil. A couple years ago they liened my bank account. That is exactly when I learned I owed Discover card over {$6000.00} what with attorney fees and interest ... 


While I was in XXXX they " served '' " me '' with court papers and got a judgement against me in court. I am a XXXX XXXX XXXX skinny XXXX male. They served someone who was described as XXXX '', XXXX pounds and XXXX,.. The judge laughed when I asked her to go see how I was " served. '' I immediately called the attorneys working for discover card. 
I sent proof all my money was XXXX payment standong term XXXX. Payments l exempt from judgements in California. 

When still spitefully made me wait a couple months till the court date. Maybe hoping. I would not appear a dashed get my entire movie ths income. 

I then sent off all the information to discover in Ohio. Pointing out the defective service. Giving them ALL my bank account numbers with proof it was judgement exempt income. AND??? 

They told me they assigned me to a new attorney who will probably wait and lien my account and hope that by then this permanently XXXX old man is too sick to. Are the long bus ride to court, etc etc By the way : I DID offer, in writing, to negotiate with them IF they could offer me any proof at all that the debt was actually mine, and how much of it was interest and attorney fees IF so ... But. Of course, they did n't have that. Guess they assumed they had me Locked in with their judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I am a XXXX year old woman on a fixed income and had a terrible experience getting a mortgage for a condo. I had signed all the papers, was told that there were no problems, the 30yr fixed loan would be approved in a few days and had been sent for final approval. I gave notice at my apt because I can not afford overlapping payments. 
The broker called and told me the 30yr fixed loan could not be approved because there are more than XXXX % renters in complex - SOMETHING HE SHOULD HAVE CHECKED ON IN BEGINNING OF PROCESS. He offered me an ARM. I initially refused. The broker and agent pressured me that I would not get my {$13000.00} deposit back because I signed the contingencies ( never explained ) and that the sellers would most likely sue me and also, possibly, the people they were buying from would sue. My apt had been rented and I had nowhere to go so I went ahead with the deal. 
The loan officer pledged to give me his {$2800.00} commission at signing, which I have in writing. ( So he would n't get in trouble and to reimburse me for the agony. ) My realestatae agent originally made the offer by phone. I signed on XXXX XXXX, no {$2800.00}. I have contacted the broker a number of times and he does not respond. The real estate agent is n't helping. 
The loan officer, who was also rude and accidentally forwarded me an insulting message sent to one of his coworkers, is XXXX XXXX, XXXX ID XXXX, XXXX XXXX, XXXX XXXX, phone : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
We were charged {$170.00} for a ride from the airport that we did not agree to. The driver claimed to be an XXXX and was not. No receipt provided. We asked 2-3x how much the ride would be and he said, do n't worry - it 's about {$5.00}. The typical ride costs about {$60.00}. We feel this is fraudulent and refuse to pay Chase Bank for the VISA charge. The receipt emailed was from XXXX Car in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: APR or interest rate

Complaint:
On my Chase statement closing XX/XX/2016, I was charged {$7.00} in interest. I emailed Chase inquiring about this charge and how the math did n't add up. They relayed their formula to me, which make sense, but not the " Balance subject to Interest ''. Upon inquiring further as to how they calculated it, they provided me with a formula, but not with how they actually calculated it for me. I 'm filing a complaint with CFPB due to Chase overcharging me for interest without justification once I pointed the error out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-30
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Payoff process

Complaint:
I was sent a billing statement by Chase for my XXXX credit card for a balance of $ XXXX. Before the stated due date on the statement, I paid not only the entire balance from that statement, but also covering the few purchases from the current billing period. Once the payment pasted, by balance reflected {$0.00}. This payment posted and the balance showed {$0.00} before the stated due date, let alone before the account cycled for the following month. To my surprise, I checked my balance about a week later and saw an interest charge of $ XXXX. Confused as to how I was charged interest on a {$0.00} balance, I contacted Chase and they advised it was the interested that had accrued on the balance that was carried over from the previous months balance. The logic of this is simply ridiculous. Essentially what that means, is that it is quite literally impossible to pay off your balance in any given month if you had n't paid it in full the previous month. Even if you got a bill and paid it the very next day for the amount on the bill, they would still charge you interest for the time frame from which they sent you the bill to when they received the payment. How is that not horribly misleading? When I brought that point to their attention, they advised me of a piece of verbiage on the statement that says something to the effect of " balance subject to interest ''. 

The main point I 'm trying to make here is that if you send a bill for a certain balance amount and you pay that entire balance before the stated due date, you should not be subject to interest for that particular billing period. 

This is a very misleading business practice and I felt it warranted escalation in this manner. 

P.S. - They refused to waive my fee after I clearly laid out my grievances in multiple cordial contact attempts. However, they did waive my wife 's interest, who was in the exact same situation. Not sure how that happened, but there seems to be a lack of consistency in their fee waiver process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX ( FINANCE ) XX/XX/XXXX, XXXX XXXX ( XXXX XXXX  ) XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  THERE IS 1 LATE OR MISSED PAYMENTS ON MY REPORT ON XXXX XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 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 2022-04-18
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 XXXX  Account # 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 : 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