BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-06
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
RE : CEASE & DESIST and dispute of chase card services acct  ending in XXXX This letter is in response to the phone calls and letters I have been receiving from you.

According to the Fair Debt Collection Practices Act, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing Communication, you must stop all communication with me after receiving a letter that I no longer wish to communicate with you. Therefore, do not call me at home, at work, on my cell phone or at any other location.

Further, this Chase account is not my responsibility, allow me to say that again, you are attempting to collect from me a debt I do not have any legal obligation to pay.

Now that you have received this Ceasing Communication letter, in accordance with the federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will be taken.

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming there will be no further contact and except notification of a specific action you intend to take, is in violation of the Fair Debt Collection Practices Act. I am also aware that any contact you make to a 3rd party concerning me is also in violation of the Fair Debt Collection Practices Act, specifically Section 805 ( b ) 2. 
Regards, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Mi XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
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, XXXX and Experian has violated my rights by having Bankruptcy XXXX XXXX reference # XXXX on my reports. 

15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 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 explanation
Consumer complaint received 2019-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have allot of collections In my credit report through tranunion and XXXX. they are all over 7 years old and some are even 10 years old. they keep giving it to new collection agencies and they keep saying that the collection account was recently opened about 1 or 2 years ago. this is not true they are all very old and the law says that collections 7 years old or up have to be removed by the credit reporting agencies. i disputed with them and they dont listen. I can't get approved for apartment. and i cant get approved for 1 single credit card. im almost XXXX years old and i am forced to live with my parents. im practically homeless. this isnt fair. the credit reporting agencies shouldnt oppress people like this. its really hard to not have a credit card and having to pay everything upfront. please help me out im really stressed out. please follow the law and get these off my credit reports. 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 2021-03-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have contacted multiple people at HSBC to close the account yet it remains open. I feel that my account is being used against regulations to promote HSBC 's account rates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: NY
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: Receivable Recovery Services, LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recieved a phone call from Recievable Recovery Services LLC on the XXXX of XXXX. They told me they were collecting debt in the amount of XXXX cents from XXXX XXXX Hospital services. I informed them if the debt was indeed real it was XXXX debt and I would make an effort to pay. I asked for an itemized bill to prove the debt was real. They tried to settle and I demanded a paper bill. They called me again today, on XX/XX/XXXX and again attempted to collect the debt. They said they had sent an itemized bill. I told them I didnt have that money and had not seen the bill yet. They offered again to settle for around 1400 dollars. The worker asked me to put it on a credit card, to cash put my 401k, and to borrow the money from a family member. I explained to her she was not my only creditor and was trying to collect the same debt another creditor had called about and that I could give her XXXX dollars a month until I was in a better position. She told me that was unacceptable. She informed me they would credit report no matter what I paid and when I asked what would happen other than that she refused to tell me. She also refused to allow me to speak to a manager. Different phone numbers were used for the phone calls and niether number works when dialed back. I never recieved a notice to dispute the debt and when I looked at her itemized bill it only shows the hospital name and the amount they say I owe with dates. There is no phone number on the bill or an account number specific to the company that I can tell and no information on how I can make a payment, just a stamp with their address and company name on it. She was abusive and inappropriate in her attempts to collect debt on XXXX  XXXX   without ever proving to me there was a real debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
This XXXX XXXX XXXX Loan shouldn't be on my credit report for Transunion. I do not recognize this account. I'm going to file a police report for this account, and I believe that it is identity theft. The loan is called XXXX XXXX XXXX # XXXX and I do not recognize this loan. I'm going to call Transunion again to file a fraud dispute. Can you contact Transunion to let them they that I see a fraudulent account on my credit report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with TOYOTA MOTOR CREDIT CO XXXX Balance {$14000.00}. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and TOYOTA MOTOR CREDIT CO with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX is our mortgage company. We realized that a 2nd hazard insurance was added to our policy without our authorization and we had been over charged {$200.00} for the last 2 months to apply to this 2nd insurance. After several calls the company finally removed the 2nd insurance but they are still overcharging us on our monthly payment and will not reimburse us for the overcharge the last two months. I have called and spoke to a representative on XX/XX/XXXX and XX/XX/XXXX, and had correspondence by email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have told the company that this is looking fraudulent on their end and that I would contact federal regulators but they did not respond with action on the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
Ive filed a dispute regarding the results on my credit report it has been well over 30 days.

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 2021-07-22
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit report was pulled today and there is a collection from Midland Credit Management regarding a " Pay Pal Acct '' with XXXX XXXX. They also referenced an address that did not belong to e as part of the verification process when I called MIdland to discuss this incorrect reporting. They said that it would take 90 days to resolve but I am in escrow at this time and this is hurting my transaction and risking my escrow deposit. 

I am attaching my previous credit report which also reflects all my previous addresses to show that this account truly does not belong to me. 

I can provide the most recent one from today showing the new collection. Please let me know if you need anything regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Date XX/XX/22 Amounts - XXXXXXXX XXXX XXXX XXXXXXXX debt cancelation agreement I was not informed about the XXXX apr Finance charge excessive XXXX My car trade in value should of been higher as well as deducted properly from my bill of sell. 
XXXX my car trade in value. 
They used a new method of deceit by vaguely going over my contract and having me signed electronic which gives me no indication that my signatures were for yes or no on optional items like the XXXX XXXX  and debt cancelation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I filed this complaint 30 days ago and it has not been responded to by the collection agency to any credit bureaus, or the CFPB, or me. It has been over 30 days and this awful violation that occurred via a letter The XXXX XXXX XXXX sent me referencing bogus laws, and coercing me into not disputing and accused me of furious disputing which is illegal and Im breaking the law! I demand the CFPB address this complaint for it has been over 30 days and the furnisher of the letter keeps manipulating the system and the complaint is being concealed. I demand this be addressed today! This was the first complaint with the damming letter sent to me attached! ( XXXX ) over 30 days ago!

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 2022-10-03
Company: LEXISNEXIS
State: IL
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:
The information on my report is incorrect for the my report. 
I was given information from all 3 credit bureau stating that you do not report bankruptcy to credit bereaus. These agencies are XXXX, XXXX and XXXX. I was told that you dont report to reporting agencies. I am unsure if you are the company that is reporting on my credit report. I need this deleted immediately for being reported on my credit report. Can you please reach out to me via email or by letter on this matter. 



XXXX XXXX XXXX -delete immediately Reference # XXXX XXXX information for address on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Beginning in XXXX 2016 I began the process of fixing errors present on my credit report with XXXX, TransUnion, and XXXX.
Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you.
or 2 ) Information on this item has been updated.
Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX XXXX Creditor : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX Creditor : XXXX XXXX *In reference to above XXXX XXXX XXXX XXXX , account name and date opened is incorrect.
Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  Creditor : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX UNIVERSITY Creditor : XXXX *In reference to XXXX/XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MEDICAL CENTER, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX account status, balance, and date opened, balance is not 100 % accurate.
Creditor : XXXX *In reference to XXXX, account past 7 yrs. and balance is in error.
Creditor : XXXX XXXX XXXX XXXX has deleted XXXX  XXXX has deleted XXXX XXXX XXXX, XXXX XXXX XXXX  TransUnion has deleted XXXX 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 explanation
Consumer complaint received 2018-05-31
Company: U.S. BANCORP
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I keep receiving calls stating that I have a case filed against me by a company that says they are arbitrators and are a nutral party. They called and provided the last four of social. They provided a fictious case number XXXX stating that I need to be present at an old address between XXXX and XXXX XXXX  every day to be servied papers. This was settled in bankruptsy approximately 9 years ago. I am advised to call XXXX and advised to give personal information which I will not do. They keep saying that I have a claim filed against me. Which I know I do not. Case number have letters or the county in them as to where the court case is being handled. These indentifying numbers are never provided in their fake case number.

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 2018-12-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Company advertises a cash award on their Premiere checking account if a specific deposit amount is made and maintained for 90 days. I made the specific amount deposit on XX/XX/2018. To date I have not received the cash award despite calling 10 times. They have opened at least 3 'cases ' during this time, are constantly telling me they can not respond for a week. This is obviously a scam designed to accept my money and hold on to it for as long as they can. Please help me to resolve this issue with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on TARGET/TD. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: IL
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 and my place of employment were directly affected by Covid during XXXX, XXXX, & XXXX of 2020. Due to this the payroll department wasn't able to process our checks and I fell behind. After calling all companies involved and explained my situation I made agreements to get caught up. Which I lived up to Most of my credit cards have XXXX straight months with on time payments until Covid.

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 2021-02-09
Company: Rocket Mortgage, LLC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I was contacted by Quicken Loans dba. Rocket Mortgage to refinance my VA loan that they serviced. The terms looked good so I agreed and the process began. Everything appeared to go well until the closing approached and the numbers agreed on had changed. I requested that the refinance be terminated and was told it would be so. I was contacted by a 'Resolution Specialist ' and was told he would look into it. He got back to me and explained the increase in payments was due to escrow increases which I agreed, and the refinance went forward to close. My closing was on XX/XX/XXXX and the numbers were as agreed. Six days after close I was told the payments would be higher due to an insurance payment that was made and my payments would be increased. The next day I called and requested cancellation of the refinance and was told it would move forward. Meanwhile I had to make a payment on the original loan to avoid a late penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: ENCORE CAPITAL GROUP INC.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX police department has not received any request from Midland for the police report they needed to resolve this identity theft in my name. XXXX police report # XXXX is available for them to request to clear this judgment in my name and remove the levy that was placed on my XXXX XXXX account. 


My identity was used to obtain and improperly open a credit one credit card account back 2012. I filed a police report back in XXXX in 2012 in regards to identity theft and my home being broken into during that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: Rocket Mortgage, LLC
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Several months ago I filed a complaint with you against a mortgage lender who advertised an attractive rate then when later it disclosed points that made going forward unattractive we were charged with their " preparation '' expenses. If this is not deception I do not know what is. So far you have not even acknowledged the complaint let alone done anything about it. If this is how you protect consumers we are all undone. Thanks a lot for nothing and XXXX  XXXX to you.

Company response to consumer: Closed with explanation