BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX is reporting on my credit report false information i have sent them letters and they keep putting it back on my report the are in violation of the FCRA!!! i only have a car on my report nothing more!! i want to discover card deleted permanently!!!!!!! 
i will not rest i also want to sue them for violation of the FCRA!!! delete now!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 1XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX  - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX  XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX  - account XXXX XXXX has violated my rights. 
XXXX. XXXX  - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX L - account XXXX XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX - account # 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.

15 U.S.C 1681 c ( 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 antidotes the Report by more than seven years.

15 U.S.C 1681 s-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 reason to believe that the information is inaccurate.

These accounts also still contain inaccuracies.

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 2017-10-20
Company: Meade & Associates, Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted XXXX on XXXX separate occasions, the latest which was XXXX/XXXX/XXXX. At first, I did n't recognize the items because the entity on the report was different than those listed on the report previously. The credit bureau investigated the item and found the original creditor sold the debt to a collections agency called Meade & Associates, and informed me the information was accurate and provided the following contact information : Meade & Associates XXXX XXXX XXXX XXXX 
XXXX, OH XXXX Ph : XXXX On XXXX/XXXX/XXXX, I filed for bankruptcy and placed under the automatic stay pending the discharge. Upon its discharge on XXXX/XXXX/XXXX, I obtained credit reports to verify the correct reporting of the items included in the bankruptcy. The accounts held by Meade & Associates had account numbers as follows : XXXX XXXX XXXX XXXX XXXX These accounts were reflected to show a XXXX balances with the correct tradeline entry stating the account was XXXX in Chapter XXXX bankruptcy. However, the company failed to report the accounts as closed and are still reporting them as outstanding, derogatory balances. 

The collection agency in question confirmed that they had received notice of the original filing and further down the line, an order of discharge. These documents were also made available to XXXX and later sent to Meade & Associates to support my claim. I contacted Meade & Associates on XXXX/XXXX/XXXX to ask for a correction of this erroneous information and was informed that they would take no action to change the reporting of these items. I told them about what I had gone through in the dispute process and that I would take further steps in order to compel a change in the reporting of these accounts and was sarcastically told " Good luck with that. '' and reiterated that they had no intentions of changing the reporting of these accounts. 

The same dispute with XXXX and XXXX resulted in the removal of those records from their respective credit reports. All documents supporting my position are attached to this complaint, including the schedules of my bankruptcy that reflect the inclusion of these debts and the discharge order itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I have contacted Transunion several times to get these unknown credit inquires from my report because they are not accurate. I have been really nice to them explaining what happened and they were not willing to listen to me. I have explained to them that none of these companies have a credit application on file for me. My contact number is XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX  XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX, XXXX Date Filed XXXX/XXXX/XXXX Type Department, variety, local, regional, and national chains Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address 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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 they violated my rights. 
Please delete the following items : Federal Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX U.S. Bankruptcy Court Account : XXXX 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 2022-05-03
Company: Experian Information Solutions Inc.
State: NV
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 they violated my rights. 
Please delete the following items : Federal Account : XXXX US BKPT CT XXXX  XXXX XXXX Account : XXXX U.S. Bankruptcy Court Account : XXXX 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 2022-01-11
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX On XXXX XXXX, XXXX I made a request to the mortgage company ( Mr. Cooper ) Asking them not to send a payment from my escrow account for property taxes as I had already paid for the year. They responded asking that I send proof. I sent a copy of the check along with a paid receipt from the tax office immediately. 

On XXXX XXXX, XXXX The payment {$2000.00} was disbursed to the tax office. 

I complained to the mortgage company and was referred to their research company which sent me a letter stating that if an over payment was discovered, It would be returned. 

A month later on XXXX XXXX, XXXX I made contact with XXXX XXXX tax assessor and found out the payment had been returned to the mortgage company. 

I have since sent numerous emails to the XXXX XXXX  of the mortgage company asking for the return of my money and I am now being ignored. To date the {$2000.00} has not been returned to my escrow account. 

I am now trying to avoid the courts by asking for an advocate to help me get my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On Friday, XXXX XXXX, XXXX I got a email from XXXX XXXX XXXX XXXX in which they said that they had " Denied '' my " Loan '' request based upon negative credit information on my " TransUnion '' credit report. I then called up " TransUnion '' and professionally explained to them the above same facts. I then asked " TransUnion '' for my " Free Copy '' of my " TransUnion '' credit report in according with the Federal law called the " Fair Credit Reporting Act. '' And I was told " XXXX '' by " TransUnion at which time they just hung up the phone.

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 2022-05-03
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent out letters to the credit bureaus regarding inaccurate and false information that was being reported on my credit report. Its been well over at least 60 days now and I still haven't heard back from them. I think i'm being ignored as well as take advantage of when it comes to my disputes. But I know that section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 60 days so these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the damages caused to me by the inaccurate reporting of my credit report. My information was also impacted by the Equifax data breach and could've potentially been misused by someone else other than myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
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:
Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus, Experian, XXXX and XXXX on XX/XX/XXXX and nothing has been done.

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 2017-06-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
USAA Federal Savings Bank has been sending documents to an incorrect address. My physical address is NOT my mailing address. On XX/XX/XXXX USAA purportedly sent notice that I was a co applicant on a loan. This letter would have been returned to sender. However, had I received the document I would have discovered that the information was incorrect and could have avoided what has transpired in XX/XX/XXXX. Attached are all relevant documents that USAA Federal Savings Bank has provided to date. I was also expecting copies of any and all documents substantiating that I am in fact a co applicant. All documents provided are unsigned and have a street address where I live but can not receive mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After getting married in XX/XX/XXXX, I merged bank accounts with my husband in XX/XX/XXXX. That same day, I updated my bank account information on the Great Lakes website ( Student Loan provider ) in order for them to continue to withdraw money on a monthly basis ( auto pay ). 
In XX/XX/XXXX I logged on to the Great Lakes website, and found out that they never processed the change in bank accounts ; and thus they did not withdraw any payments for the months of XX/XX/XXXX-XX/XX/XXXX. 
Once I realized they had not collected any payments, I paid the full amount right away. However, they had already reported me to the credit bureau, and stated that I was " late '' in my payments for over 120 days. 
I tried contacting Great Lakes and the Department of Education several times, and appealed the negative credit marks stating that was an error on their end. Despite my clean payment history for over 5-7 years, the request was denied. 
It 's worth mentioning that no calls, letters or emails were sent to me notifying me that no payment had been made on my behalf. That would have alerted me that there was something wrong. 
I then proceeded to hire XXXX XXXX so they could help me clean my credit and solve this situation. Appeal letters have been sent over the past several months, but nothing has been done by the Department of Educations. 
This technical error on their end is costing me a low credit score ( that for so many years I so carefully built ), and it is currently impacting my qualifications to purchase a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I made a balance transfer from a SECURED credit card ( XXXX XXXX ) of XXXX dollars. I thought it would be a way to get it payed off taking advantage 0 % interest for a year offer. I went into the branch in XXXX XXXX. The gentleman who assisted me assured me this was a very smart decision I had made. I was paying XXXX annually in interest on my secured XXXX and had reached the limit so it was negatively affecting my credit. 
I do n't have any previous experience with balance transfers, nor do I have any expertise with credit cards, which is why I went to the professionals at chase bank. I was barley establishing my credit transitioning from a secured to an unsecured credit card. I chose to visit Chase bank. I trusted them, even kowing their interest rates, fees and fines are steep. I was willing to pay for good quality service and a expert at getting what I needed done. 
The bank man did a balance transfer from a secured ( I had initially used my money and made a XXXX deposit ) XXXX to a unsecured XXXX. My first statement was XXXX/XXXX and now I owe two banks around XXXX. This went on for four months. I 'm paying XXXX XXXX, but not Chase. My credit score plummets. I called Chase and spoke to several different departments, but nobody could understand what I was trying to explain. I just gave up because the last woman I spoke to was so rude. She made me wonder if it was n't a mistake of mine somehow. No. Not my mistake. Within two weeks I got a strange check from a unheard of branch of Chase for the full exact amount of the original transfer. I also got my account closed with both banks, a worse credit score than I started with and I still owe Chase bank XXXX. 

Unavoided any interest XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-06-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
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:
On  XXXX / XXXX / 2017 , USAA was contacted regarding information being reported on my consumer report from  XXXX   XXXX   XXXX . They responded back to the investigation request stating that they have documentation verifying the information reported is accurate. However, according to the information submitted by me as part of the investigation request, as well as documentation submitted by  XXXX , and also public records including credit reporting information, the information being reported is clearly inaccurate. They refuse to remove the record or cease reporting the inaccurate information related to account number  XXXX .

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
TD Bank does n't allow external applications to access checking account, apps like XXXX pay, XXXX pay, XXXX XXXX XXXXXXXX, unless I visit a branch. Unfortunately I am a long haul truck driver and while on the road I do n't have the ability to visit the branch as readily available as others do, so I am prevented by the bank from accessing viable alternative payment methods that can enable me to save money on fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX I am sending this complaint myself and there is no third party involved. The account JPMCB CARD was a corporate account and was mistakenly reported on my profile. I believe there may be an error on the payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP.

Company response to consumer: Closed with explanation