BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: Experian Information Solutions 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 have contacted Experian about inaccuracies on my report. They keep updating date last active on XXXX accounts : XXXX XXXX XXXX and XXXXXXXX XXXX. I have disputes these dates and they do not fix them. I was never active on these accounts so they should not have a date. They are manipulating the statute of limitations by putting that I was active on XX/XX/2022. I have asked them to validate or delete the items and they do not validate or delete anything. Isn't it a violation of the FCRA if they do not correct or remove inaccurate accounts? I do not want inaccurate information on my report, especially from companies that I did not sign a contract with. 

They also keep updated the balance for XXXX XXXX  without explanation. This is also inaccurate and needs to be removed. 

Please investigate this matter for me, I have disputed multiple times already.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've sent numerous letters ( from XXXX XXXX ) asking them to investigate several accounts on my credit report. They came back as verified and when I pulled the updated copy of my report it still showed numerous inaccuracies. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2016-07-25
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX XXXX and XXXX to repair a solar panel on my roof. 
I paid them {$630.00} on XXXX/XXXX/2015 but it continued to leak so I called again & again. The last time they said the panel was too old to fix but they would come one last time at NO CHARGE, then sent me a bill for {$170.00} and it continued to leak, causing extensive damage to my roof! They had installed the panel so knew the age BEFORE they said they could fix it and took my {$630.00}! Then they turned over the account to Transworld Systems , Inc. Collection Agency for collection! I was lied to and taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a check account with chase ( basic Account with no overdraft autorizacion or allow ) I was out of the country on vacations and when I return I find out that my account was close for overdraft for fees with I never authorize or agree On. Please investigate this uncomplianc conduct from the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've sent numerous letters ( from XXXX XXXX ) asking them to investigate several accounts on my credit report. They came back as verified and when I pulled the updated copy of my report it still showed numerous inaccuracies. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2015-05-14
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I submitted a claim on XXXX and XXXX against Chase. Claim numbers are XXXX and XXXX. I received a response from Chase but they refuse to send me the credit report they claimed shows that they paid off a loan for me. They sent me a copy of the documents that I already have in my possession. and did not send me any additional information. I requested again the documents that shows what bills, credit cards, loans etc they paid off. I am not satisfied with the answers on both claims. They did not tell me if and why their pulled my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
This complaint has to do with the fact that JP Morgan Chase reported us to the credit bureau for past due loan amount of {$990000.00} when we have a mortgage on that loan, we have paid on the mortgaged home " on time '' every month and we have been working with Chase Mortgage for over a year now in an attempt to FIX a problem that THEIR organization caused.I have made calls to Chase Mortgage almost every month during this year in an attempt to fix this problem. Every time, I either have paid more money to put in the coffers, only to find out that the money was misapplied to another account OR, I have asked them to move the money from " unapplied funds '' into the escrow account and then later find out that moneys was moved into principle. It has been a nightmare. Now, the bank has done more damage by reporting account to the " credit bureaus '' as if the problem is something that we did. And, as a result of their reporting this issue to the credit bureaus, XXXX separate contracts have been placed into jeapardy with my small business because the XXXX has resported the company as having " financial problems ''. We have been directly negative impacted by the lack of coordination and mismanagment of Chase Mortgage Company. And, because the account is so very messed up, we are unable to apply for another loan to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Reel Time Capital LLC
State: ND
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I applied for a {$700.00} loan I fell behind on payments The debt was then sent to reel-time debt collector, who said that the company was threatening to pursue fraud against me saying that I closed my debit card account when in fact there were no communication sent to me through XXXX indicating that there was a problem with the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Other

Complaint:
I typically get email confirmation of payment made which I keep in a payment folder. 
after my last payment on XX/XX/XXXX the email did not arrive I 've been on chat the next night with AMEX chat " XXXX '' who said there was a glitch and I would have it Sunday, this is Monday night and I have been on live chat for 2 hours with several different customer service and XXXX supervisors who tell me they can not resend the email, they made me jump through hoops change my email wanting personal information, and said I could change email myself, so I did and they still tell me they can not send a simple email confirming my payment. 
Desired resolution is for them to send me an email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: ME
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 work as a XXXX in The State of XXXX. I am required to keep my security clearance. During a security check it was revealed that cases had been created without my knowledge or consent. One case was with XXXX XXXX. I have a good relationship with the now, but an account was opened without my consent on XX/XX/2015. That account was not mine and was charged off. It has been placed with agencies, taking away my security clearance. Please have this item removed as it will cost me my job. 

The Account ended in XXXX XXXXXXXX The account is reported as Past due {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage in full and they are still holding my money in escrow. They submitted one check for {$2100.00}, but they still owe me {$170.00}.

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 2016-03-31
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX-Misled me on an inquiry about truck loans-I told the salesman NO HARD Iquiries-and to use my SCORESENSE service to see if it made sense to continue-RESULTS HARD INQUIRY FROM XXXX XXXX XX/XX/2015 XXXX-2inquiries 1 : XX/XX/2015 from XXXX XXXX by way of XXXX same type of scenario 2 : XX/XX/2015-Unkown inquiry according to XXXX they dont know who ordered it XX/XX/2015-XX/XX/2015 ANOTHER INQUIRY AGAIN-XXXX Go XXXX-salesman ( named XXXX ) assured a soft pull-RESULTS : HARD PULL EXPERION

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 2021-02-19
Company: Affirm Holdings, Inc
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account with Affirm INC was paid in full in XXXX prior to my regular payment to be made. My credit reports were not updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: TX
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:
I have submitted disputes several times to XXXX/Equifax and XXXX  and no one is responding ... There has to be some kind of law that helps us consumers out when we are submitting disputes to the credit bureaus. I want these items investigated and deleted from my credit report. Thank You, XXXX  XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERFIED ACCOUNT- UNVERIFIED ACCUNT XXXX XXXX XXXX -NOT MY ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX  XXXX XXXX XXXX XXXXXXXX - NOT MY ACCOUNT XXXX XXXX XXXX XXXXXXXX -NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX XX/XX/1979

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have submitted disputes several times to Experian/Equifax and Transunion and no one is responding ... There has to be some kind of law that helps us consumers out when we are submitting disputes to the credit bureaus. I want these items investigated and deleted from my credit report. Thank You, XXXX  XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERFIED ACCOUNT- UNVERIFIED ACCUNT XXXX XXXX XXXX -NOT MY ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX  XXXX XXXX XXXX XXXXXXXX - NOT MY ACCOUNT XXXX XXXX XXXX XXXXXXXX -NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX XX/XX/1979

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 2017-05-25
Company: Credit Bureau of the South, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have no contractual obligation to pay this collection agency. I have asked for validation that this account belongs to ME, and they did not provide me with sufficient documents  within their 30 all owable days. All I have received are statements from another company. They are in current violation of the FCRA. I have also asked for them to update their records to reflect correct information, which they have not done so. This collection agency shows up as " Credit Bur eau of the South '' on my credit report, but all corresponding information from them is listed as "    XXXX   XXXX   XXXX   ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2008

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: ME
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 work as a XXXX in The State of XXXX. I am required to keep my security clearance. During a security check it was revealed that cases had been created without my knowledge or consent. One case was with XXXX XXXX. I have a good relationship with the now, but an account was opened without my consent on XX/XX/2015. That account was not mine and was charged off. It has been placed with agencies, taking away my security clearance. Please have this item removed as it will cost me my job. 

The Account ended in XXXX  XXXX The account is reported as Past due {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 never opened this account. It was opened by somebody without my knowledge or consent. I work as a XXXX in the XXXX XXXX, and I learned about the fraud from a problem with my security clearance. Please remove and correct my history. This is a fraud account that does not belong to me. I am in jeopardy of losing my job and security clearance over this error in reporting. The account listed against me is : XXXX XXXX account number xxxxxxxx XXXX Date opened XX/XX/2015 This was not my account ever. Please remove it.

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 2021-07-26
Company: Quality Asset Recovery LLC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2015-07-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In XXXX of 2014 a contract was written for the sale of the property address of XXXX XXXX XXXX with Chase being the primary mortgage holder. There are also XXXX junior liens on the property. An offer in the amount of XXXX was submitted via a short sale. The XXXX and XXXX lien holders accepted, however, Chase rejected the offer over a {$1500.00} shortage. The seller, the buyer, the agents and the attorney all offered to compensate for the XXXX difference and Chase further rejected to help settle and close this case. 8 months later the buyers decided to move on thus causing this deal to have to re-start. Another offer has been secured and we need for Chase to offer full cooperation in the sale of this property especially while the property is desirable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: JPMORGAN CHASE & CO.
State: NM
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX while, in Attendance at College in XXXX, New Mexico that is, As, a XXXX.. Chase Bank and the Social Security Payment Center in XXXX could not. agree upon a Finalized Date for my XXXX Pay. This Date Signified of XX/XX/XXXX was already Extended ( 90 ) Days on ( 90 ) Days that, Extended for another ( 90 ) Days. I did not. Receive my Monies to Return to College the Next Semester in New Mexico as, there was Cause for Force in Living in XXXX where as, Chase Bank and XXXX XXXX Apartments frauded me of $ XXXX- {$4000.00} Dollars then, {$10000.00} Addtional Dollars in Public Collections as well as, {$1400.00} in Collections with XXXX . 

Accounts with Chase Bank were Left Open in Suspicious Fraud and Identity Theft after, Numerous Requests for ( 2 ) years to Close " All Accounts '' ( XX/XX/XXXX,XX/XX/XXXX ) XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
An account was opened without my knowledge or consent sometime in XXXX or XXXX with XXXX XXXX XXXX. I never opened this and I was working outside of the United States as a XXXX. This fraud was revealed during a required security clearance check. XXXX XXXX refused to correct their mistake which is clearly a violation of the Fair Credit Reporting act. In act they, and their Collection agency has told me to " pay or die! '' This was an agent at XXXX who then proceeded to call my father and demand double what they are reporting! They " skip traced '' and began threatening my XXXX XXXX XXXX father saying he was liar and that he was me. XXXX XXXX XXXX and XXXX XXXX clearly violated the Fair Debt Collections Practices Act. Their mistake will cause me to lose my security clearance any my job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: ME
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 never opened this account. It was opened by somebody without my knowledge or consent. I work as a XXXX in the XXXX XXXX, and I learned about the fraud from a problem with my security clearance. Please remove and correct my history. This is a fraud account that does not belong to me. I am in jeopardy of losing my job and security clearance over this error in reporting. The account listed against me is : XXXX XXXX account number xxxxxxxx XXXX Date opened XX/XX/2015 This was not my account ever. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I am XXXX XXXX! I have reached out to these dam credit companies multiple times and havent gotten XXXX back. These false reporting accounts on my credit report has hindered me from purchasing a car and soo much more. I ask that these accounts be removed immediately as this XXXX is literally XXXX up my life.

Company response to consumer: Closed with explanation