BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
TOWER LOAN has been harassing I, XXXX XXXX, the consumer about an alleged debt. I asked TOWER LOAN to send me validation of the alleged debt and to send me the correct amount owed. TOWER LOAN refused to send validation information. TOWER LOAN sent me a description of payments that were made. TOWER LOAN also garnished my paycheck which is against the law. I also asked TOWER LOAN to stop contacting me and I am still being contacted. TOWER LOAN has been providing false information to the credit reporting agencies. TOWER LOAN provided a document with false information on the document. TOWER LOAN said I made payment to the company in 2021, which is false. TOWER LOAN has violated my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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 i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a 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 explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: AZ
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 has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing  reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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:
I tried to electronically deposit a check into my chase business checking account that I've had for over 10 years. The check was from a client for services performed in XXXX. The check was # XXXX dated XX/XX/XXXX to XXXX XXXX XXXX, XXXX in the amount of {$28000.00}. on the XXXX of XX/XX/XXXX, the money was removed by chase from the issuers account, and the check recieved a 'restricted endorsement '. This was not made clear to me by them but by another bank. So essentially I won't be able to take the check anywhere else for deposit and they won't give the money back to the issuer so that I can try to deposit the check anywhere else. 

Some time after I tried to deposit this check into chase without my notification or consent or without providing any information as to why, my account was closed. I can't access any of my statements for taxes etc. It's as if the account never existed. The money is still being held by chase. Every attempt I have made to try and get the money returned to the issuer has been met with with false promises, etc. I filed a complaint with the OCC, Chase assigned my case, to someone at Chase that was on vacation. I tried to get in touch with her many times, only to find out that when I did get finally get in touch with her that the OCC case had already been closed. 

Every step of the way I've been pushed off, ignored, or outright lied to. Legitimately useful information has been witheld from me. The report on the response to the OCC complaint was falsified according to what's been told to me by Chase. It's really been super horrible. 

This whole process has been so frustrating its killing my business and my stress load has exploded to the point that I am completely overwhelmed. All I did was deposit a check and now my financial life has been ruined with no end in sight. Please, Please, someone send me an angel that can make all this go away and I can get back to my normal life where banks deposit checks for their customers and people are good to each other. 

Thanks!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: CONRAD CREDIT CORPORATION
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit was pulled for a home loan and there is a collection account that shows paid on my account. I have disputed the account with the credit bureaus and have been told the account came back confirmed. I have reached out to them and can only tell me they purchased the account and have very little back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage Company : Shellpoint Mortgage Servicing Loan # : XXXX The servicing of our loan was transferred to Shellpoint. I had questions about the transfer. On XXXX/XXXX/XXXX I sent a Qualified Written Request to XXXX asking if the transfer was done correctly, was MERS used and who has the title/line. 

Today is XXXX/XXXX/XXXX. I have not received any response to this QWR. I sent follow-up letters on XXXX and XXXX asking for a confirmation of receiving my QWR. .I have heard nothing. RESPA requires a confirmation within 20 days and a response within 60 days. I have back up for all those letters including proof of delivery using US PS priority mail. 

I also believe they have reported negative information regarding my credit and status during this period when they should have been working in some reply to my QWR.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: AMERICAN EXPRESS COMPANY
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
american express account ending XXXX i just received my XXXX bill and this isnt the first time that ive had the same issue with amex. not one alleged thing they said i approved has my signature to verify my purschase. i dont know how but if one attains your ssn number jeez every bill is via online. and ive written them and thy dont care they just ignore me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-17
Company: EQUIFAX, 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 i believe XXXX XXXX XXXX  XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I recently requested a 30 day quote to purchase the XXXX  XXXX XXXX from the current lease I have on it. I requested a quote to purchase it as an individual and as a company as I own two auto dealerships. Ally Financial quoted me {$33000.00} to purchase it as an individual and {$55000.00} to purchase it as a dealer. I believe this is completely unacceptable and in violation of the lease agreement. I shouldn't have to pay more to buyout the lease just because I own an auto dealership and I'm wanting to purchase through the company I own. I would like to come to an amicable resolution so that this does not get escalated to the XXXX XXXX XXXX XXXX Court system.

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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This company is violating the Fair Credit Reporting Act. According to the FCRA, a consumer report shall not contain information solely as to transactions or experiences between the consumer and the person making the report nor shall it show any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The following accounts and balances shall be removed immediately : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: Atlanticus Services Corporation
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Have a credit card in my name in the amount of {$900.00} with Fortiva that I never signed for or used. It is reflecting on my credit that {$800.00} has been spent that I have no knowledge of. I am requesting full validation of account, I respectfully request to be provided proof of this alleged item, specifically the contract, note or another instrument bearing my signature. I have attached document requesting validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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:
As has been well publicized, Equifax has lost the personal credit information for 143 million Americans. To prevent further identity and credit theft, it is imperative that our credit can be frozen. 

At this time, the credit bureaus will only allow a fraud alert but not a freeze, unless one is ALREADY a victim of identity theft ( AKA closing the barn door after the horse has gone ) or by paying each bureau a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items must be removed. XXXX  XXXX XXXX ( XX/XX/2022 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, 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 i believe XXXX XXXX XXXX  account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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 accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act AD XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish 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 2017-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I filed for a 90 day free fraud alert on XX/XX/2017 through Transunion and was enrolled in a nearly {$20.00} a month credit monitoring service without my knowledge. This very thing also happened to my wife on the same day.

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 2021-04-19
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I sent my application for an update on my PSLF application which was sent in XX/XX/XXXX. I have contacted them 3 times since then and they keep saying they are still investigating whether or not my employer qualifies. My employer is the Fed Government. It was when I initially applied in XXXX and was approved. I have done my research and my employer, The Internal Revenue Service, absolutely qualifies per any of the recent rules. So this reason is not legitimate. I have filed a complaint with them and still have not gotten an acknowledgement of the issue or even of my complaint. 

I want to take legal action. I know that my servicer got in trouble recently for wrongly denying XXXX and had to reverse their actions. Now, it seems their strategy is to just keep customers waiting indefinitely which is the same the as denying. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
Company: ACIMA CREDIT, LLC
State: NJ
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:
Ancima credit fka simple autorize a loan to be taken out under my name and social security for a rent to own furniture store. They are now reporting late payments to my credit beaureu.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, 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:
i was checking my credit report and I was shocked, because of my credit score id too low. I believe that someone have my personal information. I have never applied for these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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 report act XXXX XXXX XXXX Original creditor : XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15U.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 response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX withheld information about a security breach which lead to 143 million SSN 's and other personal information to be stolen. 

I was not informed of this and my information has been mishandled, which could leave to a lifetime of difficulty with battles regarding identity theft. I demand action be taken against 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 2022-06-09
Company: EQUIFAX, 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:
I've sent TWO letters to this credit union, and they do nothing. I'm XXXX, XXXX XXXX XXXX XXXX. They continue to say I've made a {$3.00} payment in XXXX of 2022, yet I can't afford my medications. Someone from the homeless shelter is helping me with this. It's over 100 degrees daily, so how long do you think I'll be alive? I'm trying to get XXXX  XXXX XXXX, however, this account shows current with that {$3.00} payment. They need to STOP reporting this and remove it NOW, not weeks from now. Totally unreal and friends are now posting their abuse on XXXX. Social media can be of great help. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation