BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I 'm  currently banking with chase and have been for years. I have  XXXX  checking accounts with them. This morning we I wake up to two insufficient funds fees added to my account prior to this I received no notifications stating that my account was overdrawn anything nor did I get a notification about the first insufficient funds fee added this is not the first time this has happened to me it 's been happening over the years that I 've been banking with chase but now I tired I feel that there just taking money for no apparent reason, money I do n't have to give away I have kids to feed. When I called and told them about my issue they tell me that 's there is nothing they can do, I asked even if there a mistake on the banks behave the representative says " there nothing we can do ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
By ignoring my disputes, I feel as though I am being taken advantage of. XXXX explicitly states that failure to review an item within 30 days will result in its immediate removal from my credit record. Since more than 60 days have passed, these entries must be deleted immediately. I demand the quick deletion of these accounts, or I will sue you for the stress you have given me. 

MERCHANTS CR ( Original Creditor : XXXX XXXX )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Collector called saying they were from XXXX XXXX XXXX 2x in a row.. We filed bankruptcy in 2012. They were collecting a debt from Best Buy for {$4000.00} some dollars. After my husband spoke and said a few choice words - I asked him to excuse himself from phone. I then proceeded to tell the person I was pretty sure he was n't suppose to be calling me because we filed bankruptcy and a letter was sent to Best Buy. He then got smart and said what is the number then. I proceeded to ask him who he was and why he was calling. He then said the debt was from XXXX XXXX XXXX and after asking a couple times that his name was XXXX XXXX and he was a legal assistant at XXXX XXXX with a number of XXXX ext XXXX and gave me the address of XXXX XXXX XXXX XXXX PA XXXX. I gave him the name of the attorney for the bankruptcy and told him I was pretty sure he was n't suppose to be calling. That XXXX XXXX XXXX or XXXX XXXX XXXX should have checked the account before they started collection procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
It is something on my report from XXXX that I know nothing about. I have not applied for anything from XXXX. It is a hard dispute. I do n't want any card from them. Do n't know what they are doing on my credit report. It was done from XX/XX/XXXX - XX/XX/XXXX. Thank you for your attention in this matter.

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 2015-09-03
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This dept collector Organization acquired a judgment order from XXXX court Colorado - stating ... Failure to appear judgment in favor of this debt collector- from what the dept collection organization provided for them that I owed someplace around {$2000.00} plus {$3000.00} in extra fees ... This debt collector organization also said that they had served me a notice to appear ... And when I asked him to give me a description of who they served it was totally not me ... They describe the person they served as XXXX, and approximately XXXX years old in which I am neither - not even close ... They said this judgment order was legal document to my bank - XXXX XXXX - The bank verified it been a order then put a freeze on my bank account & within a few days {$5000.00} was taken out of my account ... and within one week the money was completely gone ... I called the bank and all they could tell me is to call the deck collector in which they Gave me the number, in which I called only to get a answer machine. When the money was lifted out of my account by the collector ... Then I received a letter notifying me of the court order and that I still owed a XXXX totaling around XXXX XXXX XXXX XXXX dollars. After calling the dept collector to get the information on the reasons for this debt they described at that time they served A gentleman at XXXX years of age -approximately ... I said well that was n't me and they said well that 's the last place we have any information on you and for the courts that 's good enough ... I asked him who I supposedly owed the money to make stated XXXX ... I have never done any business with the XXXX. So as it stands my money is gone ... I was never was served to appear in court ... And I have no documents for this money being loaned to me or whatever to date ... I 've tried to get the information on it and the only thing they can say is that all information provided over the phone will be used against me ... so I 'm reluctant to give them any information since they seem to me to be crooks - not to be trusted ... My bank says that they had a legal order ... So how do I find out what this original {$2000.00} this debt collection organization they said I owed is all about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX Inquiry date XX/XX/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 MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-07-20
Company: EQUIFAX, INC.
State: MS
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: CHECK INTO CASH INC.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I got a car loan for my XXXX toyota tundra, i had paid off the entire loan on XXXX XXXX, XXXX. I went to the MVD to get my title back into my name to learn that the company 'Check into cash ' had not given me my title back and still had a hold. I 've contacted them numerous times through visiting them in person and calling. I 've been unsuccessful in getting my title back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on repairing my credit since XX/XX/2019. Last month, when I received a new copy of my report, I noticed an address reporting that is unfamiliar to me. XXXX  is reporting the address as a previous address of mine, and XXXX  is reporting it as my current address. The address reporting is : XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX. 
I am not familiar with this address and I have never been to Pennsylvania. I would like for this information to be removed as it is hurting my credit scores. Below I have included letters I sent to XXXX, XXXX  and Equifax asking them to update my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In response to Complaint # XXXX : If it is to be assumed that I.C. System was given consent to have my identifying information, then according to 15 USC 1692g, you were required by law to communicate with me before a report is furnished. If this is true, please provide the proper documentation such as a tracking number that shows correspondence was sent before furnishing commenced on XX/XX/XXXX. 

You admitted, " The account information IC System furnished to the credit reporting agencies was provided by the original creditor and has been verified by the credit bureaus ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ", while omitting the credit reporting agencies used XXXX to verify information through I.C. System on those 6 different occasions. This admission is proof that I.C. System is committing aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.

If I.C. System can not produce documentary evidence, such as a trilateral contract, of your claim that there is any legal obligation to pay you and if collection efforts continue I will file for litigation for actual damages caused and hold I.C. System criminally liable as well.

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 2015-05-08
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My cousin who is in the current loan with me wanted to refi our home from FHA to conventional loan with our current mortgage company. Everything went well until it reaches the underwriting telling about adverse action on my cousin 's credit report about the short sale of his house in XXXX 2009. We disclose this info to their loan officer the XXXX time we talked. For in fact, an appraisal was ordered by them and was paid by us. So, our loan was denied. Accdg to the manager, in order to be accepted for Fannie Mae 's conventional loan, we should wait for 7 years. Is'nt it true that Fannie Mae reduced the waiting time from 4 years to 2 years now?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: Mullooly Jeffrey Rooney & Flynn
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Good morning in 2008, unknowingly to me there was a default judgement against me for XXXX, with an original creditor of XXXX XXXX, I have never had a XXXX XXXX account, I was an authorized user on some of my friends accounts but not sure if XXXX defaulted. Also I was never notified of the court proceeding or served. Fast forward to recently, instead of hiring a lawyer and going through a hassle of trying to fight a default judgement I agreed to a settlement and explained to the debt collector that it is not my debt nor was I ever aware or notified of this debt but I am willing to settle it we agreed on the amount a few days ago. I asked the debt collector to look at the files and you can see I was never the main account holder XXXX XXXX seize he does not have access to the files or he ca n't do anything for me but take my money for a debt legally speaking should n't have been mine in the first place. The debt collector can not legally validate the debt, he should not be accepting my money. Also he wo n't do the right thing in vacating the debt that was n't my legal responsibility in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: NY
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 am a XXXX customer that recently refinanced my mortgage. 
My XXXX XXXX XXXX score is XXXX. 
I applied for a XXXX refinance and on XX/XX/2021, XXXX informed me that my credit was XXXX for the refinance. 

Why is XXXX selling me products based on a XXXX score and informing me that I have a XXXX credit score? 
This deceptive bait and switch is not acceptable and deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: NY
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:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commission 's IdentityTheft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX showing XXXX my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide with the exact source where you received such information, so I may take appropriate legal action

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 2022-07-20
Company: EQUIFAX, INC.
State: LA
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 value your help to DELETE some accounts from my credit report that transpired because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX & XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number ****XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  is reporting correctly. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Machol & Johannes, LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had purchased windows financed through XXXX XXXX Bank for the amount of {$10000.00} around XXXX. I made payments, until the economy started collapsing, my daughter lost her job and I was trying to support XXXX households, so I made sporadic payments when I could, knowing this was a legitimate debt that I owed, even though the home had been foreclose on, it was still my responsibility to pay. I received in XX/XX/XXXX what was presented as a summons for a lawsuit filed in Washington State XXXX Court as an attempt to collect a debt, from Machol & Johannes , LLC. The date to respond had passed before I received it. There is no court stamp. However, since I did owe the debt, I called them, and we set up payment arrangements. The balance owed was {$11000.00}, plus interest, and costs of the action, etc. I spoke to XXXX XXXX and was told that if I started paying immediately, no finance charges would accrue. The amount now owed was {$13000.00} I have been paying on this account since then, there have been some missed payments, however I made them up with double payments. Each time my records show I am close to payoff and I call them, now speaking to XXXX XXXX, the payoff amount is usually double or triple what I think it should be. I have as of this date paid a total of {$16000.00}. Not counting the amount paid to the original loan holder. I 'm now told that I my payoff balance as of XXXX XXXX is {$6800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. 
Account name : 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 XXXX 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 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 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