BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-29
Company: Experian Information Solutions Inc.
State: MI
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 had  3  auto loans with   XXXX   and was late  one  x for 20 days on one xloan but  XXXX  is reporting 90 days late : They reported I was late 90 days but paid in full! First off, if you are late 60 days, let alone 90 days, they would repossess your car! I reported it to the  3  major reporting credit institutes but they wont remove it! They claim they went to chase and concluded info is correct yet when i call chase, they cant find the account! I want it removed because its clearly a lie! everyone knows 90 days late, and you dont have a car!

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 2022-10-19
Company: EQUIFAX, INC.
State: NH
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:
I am a natural person i'm a living human being I have the right under 15 USC 1681.

Equifax is governed by 15 USC 1681 and they violated my rights numerous times and I demand these accounts listed below be removed because according to 15 usc 1681. I have the right to privacy and I did not receive the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX Last reported XX/XX/XXXX {$3800.00} Open balance XXXX XXXX Original creditor XXXX  Opened Account status XX/XX/XXXX ( XXXX XXXX ) Open Type Responsibility Individual Placed for collection Remarks Original creditor name XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$700.00} Open balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Account status Open Type -- Responsibility Remarks Original creditor name Individual Dispute resolved; customer disagrees XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2100.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Account status Open Type Responsibility Remarks -- Original creditor name Individual Placed for collection XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2400.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Account status Open Type Responsibility Remarks Original creditor name Individual Placed for collection XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$6000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Account status Open Type Responsibility Remarks Original creditor name -- Individual Account information disputed by consumer, meets FCRA requirements XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX {$600.00} Reported balance Original balance You owe 100 % of the original balance {$600.00} XXXX Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX  ) Account status Closed Type -= Responsibility Individual Remarks Placed for collection Original XXXXXXXX XXXX XXXX XXXX This account was closed on XX/XX/XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$8000.00} Reported balance Highest balance Nice! You've paid off 68 % of this loan {$24000.00} XXXX Highest balance Monthly payment Opened Term {$24000.00} $ O XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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:
The person who stole my identity must have changed my information because I can't login to view my credit score and correct many issues on my report. And when I call them I get hung up on our I can't get past the automated service to be able to talk to a live representative

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Transaction issue

Complaint:
Hello, So I applied for an XXXX card around XXXX of this year. My account with Chase was put on hold for review. I got a call and answered some security questions, they told me that I was going to get another call in the next 24 hours. Never got the call. Called several times after to get my account cleared, stayed on hold for over an hour many times. On three different occasions I was told by Chase representatives that I successfully completed the identity verification but they could not unlock my account, so I was supposed to get another call in the next 24 hours. They put all my accounts on hold, but that is not all. I also have a British Airways Visa card from Chase, I had put a few bill payments on it a couple months before this happened and I paid it in full. About two months ago I received an email from my bill payment service that I had disputed a few transactions, which I never did and I told them that. Long story short, my payment provider lost the claim and we lost over {$3000.00}. I called Chase several times but they do not want to speak, hold times for the fraud department are really long, when you do get a hold of someone they can not help. I do not care if I kept the accounts with Chase, but they crossed the line. They disputed a transaction on my behalf without my consent, right now I have to pay my payment provider over {$3100.00} for something that Chase stole from me. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I understand that XXXX, Transunion and XXXX assumed a vital role in assemble information on me as a federal protected consumer. XXXX, Transunion and XXXX is impeding the banking system. XXXX, Transunion, XXXX is not invested in ensuring that my credit report is fair and accurate 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). You ( XXXX, Transunion and XXXX ) are impairing the efficiency of the bank system. I have lost confidence in the system because the system is not vested in ensuring accurate consumer reporting. I didn't give permission to report the following information which puts you ( XXXX, Transunion and XXXX ) in violations. I didn't give you permission to report late payments, charged offs, inquiries, bankruptcy, etc. Please remove these items immediately not later than 4 business days 1681 ( c ) ( 2 ). I never gave consent to XXXX XXXX verification. Agency is not suppose to rely on the information provided by the furnisher of that item when doing an investigation. They have to do a independent investigation of the information being reported. They suppose to conduct personal interviews. They must notify me who they're going to contact to conduct these interviews 15 USC 1692 ( b ). 15 USC 1611- Criminal liability for willful and knowing violation. XXXX has cause intentional infliction of emotional distress, invasion of my privacy, fraud, negligence, breach of duty and conversion ( use of information without permission ). I will like to sue for compensatory damages, punitive damages, injunctive relief and emotional damages.

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 2022-10-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX : # XXXX, XXXX : # XXXX, XXXX : XXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX  # XXXX # XXXX, XXXXXXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 



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



15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 antedates the report by more than seven years. 



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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Seterus, Inc.
State: MP
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
( To preface this may be nothing but it is from Seterus and I do n't trust them. ) Seterus sent a letter on XXXX/XXXX/15 saying there was an escrow deficiency, they discovered this because they FINALLY paid my insurance and property taxes ( which you helped me with ). I could pay {$1000.00} or just have it go on my mortgage as a higher mortgage payment. Old payment XXXX for P and I and Escrow XXXX new payment P and I XXXX Escrow XXXX and escrow shortage is XXXX with a new payment of XXXX. Not sure why the escrow went up almost {$20.00} and also a new payment of {$17.00} added on. I have read that they mess around with the escrow to rip people off. Total insurance and Prop taxes are XXXX. If they did n't get a payment from me in 30 days for the full payment they would assume I wanted it added to the mortgage payments. Address to send it to was Seterus XXXX. XXXX XXXX XXXX, CA XXXX. 
Today XXXX/XXXX/2015 I got a letter from them saying We recently sent you a shortage of Deficiency Payment coupon with an incorrect payment address. If you already sent your payment to the incorrect address, it will be returned to you. Please resend it to Seterus, Inc., XXXX XXXX XXXX : XXXX XXXX, CA XXXX immediately. To accommodate this, we have extended the due date to be 60 days from the original letter date with no late fee. Number they give is XXXX. The letter was sent from XXXX XXXX, XXXX. They have a physical address in XXXX Oregon, Payments to be sent to the address I gave you and Correspondence to XXXX XXXX XXXX XXXX XXXX. The whole thing seems very suspect. I wrote them a letter enclosing all of my correspondence with them and told them I was contacting your organization because they have been so slimy in the past. Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX send a collection in to XXXX XXXX XXXX to collect. XXXX filed a report against me. The person who was treaded at XXXX has a different date of birth and address. I did n't know about this until a local bank called and asked if I want to refinance my truck. Then about a week later I received letter from the bank saying the loan was turned down because of the report from Equifax. That 's when I found out about it all. I spoke with XXXX and they said that they were wrong and they closed the account and would not give me any information about it. I called them again and was told the same thing ( closed and no information ). I may a lot of calls to XXXX and found only one person that would help and she said that they had made a mistake and it would be corrected in about 30 - 60 days. Three weeks later I just received another bill from XXXX trying to collect with the incorrect address that is close to mine. I have e-mails from the one person at the local XXXX office where she emailed the person from the billing part and she could not believe it had not been taken care of and that they had billed me again. The person a the billing office was suppose to call me but had never taken the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$120.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$110.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$160.00}, XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, and XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}.

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 2022-10-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I understand that Experian, XXXX and XXXX assumed a vital role in assemble information on me as a federal protected consumer. Experian, XXXX and XXXX is impeding the banking system. Experian, XXXX, XXXX is not invested in ensuring that my credit report is fair and accurate 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). You ( Experian, XXXX and XXXX ) are impairing the efficiency of the bank system. I have lost confidence in the system because the system is not vested in ensuring accurate consumer reporting. I didn't give permission to report the following information which puts you ( Experian, XXXX and XXXX ) in violations. I didn't give you permission to report late payments, charged offs, inquiries, bankruptcy, etc. Please remove these items immediately not later than 4 business days 1681 ( c ) ( 2 ). I never gave consent to XXXX XXXX verification. Agency is not suppose to rely on the information provided by the furnisher of that item when doing an investigation. They have to do a independent investigation of the information being reported. They suppose to conduct personal interviews. They must notify me who they're going to contact to conduct these interviews 15 USC 1692 ( b ). 15 USC 1611- Criminal liability for willful and knowing violation. Experian has cause intentional infliction of emotional distress, invasion of my privacy, fraud, negligence, breach of duty and conversion ( use of information without permission ). I will like to sue for compensatory damages, punitive damages, injunctive relief and emotional damages.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts 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 2022-10-19
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Follow up to complaint number XXXX Was not refunded the {$5.00} fee for the card paid to Incomm financial XXXX Full refund amount is {$500.00} not {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got an XXXX  XXXX at XXXX XXXX XXXX. On XX/XX/2022, I paid the {$62.00} owed after insurance. On XX/XX/2022, I received a letter informing me that my debt had been sent to a collections agency ( Quality Asset Recovery LLC ), despite the fact that I have already paid 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 2016-12-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase, along with other banks, have a deposit cut-off time. For Chase this cut-off is XXXX EST/XXXX CST and deposits made after this time are considered next day deposits. The problem with this cut-off time is that if a transaction, like ACH payment, hits the account after this cut-off and causes the account to become negative ; the consumer is not given the opportunity to deposit funds to avoid being penalized with an " overdraft fee ''. If the bank has a deposit cut-off time then it should do the same for transactions posting to the account. How is this okay or fair to charge a fee without giving the consumer a fair opportunity to deposit funds to avoid getting fees? 
I voiced my concern to Chase by opening up a complaint which I was told I 'd hear back from a manager within 2 business days and it has now been 3 weeks with no contact from anyone at Chase. 

Yes, in an ideal world, if you know a bill payment is going to be taken out of your account be prepared and have the money in the account. But that is not the case for myself nor for many other families getting by living pay check to pay check. If I barely have the money to pay my bills, I definitely do n't have the extra money to pay fees to any bank including Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
Chase credit card services contacted my place of work, thus jeopardizing my employment. I did not give my employers number nor the written consent to contact me at my workplace. I asked them to stop immediately as this is a form of harassment. They have also contacted me repeatedly at my mobile and work mobile phone during my working hours, at inconvenient times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Receivables Performance Management, LLC
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello My name is XXXX XXXX and I attend XXXX XXXX XXXX XXXX in XXXX XXXX mi in XXXX and completed the school it was a good program so I went forward and went out and got a job at XXXX XXXX 6 months passed I paid the owner of XXXX XXXX XXXX in person and in full now its XXXX and XXXX XXXX is harassing me saying I owe the debt again its been paid to the previous owner I never made any agreement with XXXX XXXX this is false accusations I have paid everything in full Ive reached out and tried resolving the issue nobody at XXXX can help the collection agency is agresive and make threats Im very upset and this is taken a toll mentally I want this resolved please and thank you its been 8 year since I paid this debt off in full why am I being harassed now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I contacted the company listed in this dispute about an unauthorized inquiries reflected on my credit reports. I advised that the credit inquiry by their company is damaging my credit rating. I requested full documentation and supporting information regarding the circumstances resulting in the review and placement of either a hard/soft inquiry on either my Equifax, XXXX, and/or XXXX credit file showing pursuant to the permissible purpose provisions of the Fair Credit Reporting Act. Since I did not authorized the review of my credit file by this company, I kindly requested the inquiry be removed. However, the company has not granted my request nor provided any supporting information resulting in permission and/or granted permission by me, the consumer, to have my credit file reviewed. Please view the company 's response. 
Therefore, I am seeking your assistance in this matter.

Company response to consumer: Closed with explanation