BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: First Credit Services Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am still receiving repeated calls from this agency nonstop. They call anywhere from XXXX till late at night. I do not know the nature of these calls or the debt associated with them. I filed for bankruptcy and everything was included.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: MA
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  Account # XXXX, Acct name : XXXX Bank, Acct # XXXX, Acct name XXXX XXXX XXXX Acct # XXXX, Acconut name : XXXX XXXX XXXX XXXX  Acct # XXXX, Account name : 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 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 2022-03-23
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: Public record information inaccurate

Complaint:
I sent my dispute to TransUnion on XXXX XXXX XXXX, online for them to investigate. They came back and said my dispute came back verified on XXXX and told me that the information would remain on my credit report. The information that I was disputing was from the public records section of my credit report ; the File Number : XXXX. The date generated was XX/XX/XXXX. The company got its information from XXXX. The data was removed because they could not verify the data from the court, so they deleted it from my XXXX report, and they sent me the results that I will attach with this complaint. How can you verify something, not on the company report that you get the information from to verify the information?

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 2016-06-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My electronic tax return and refund ( {$550.00} ) was submitted to IRS on XXXX/XXXX/2016 by my tax consultant ( her XXXX information is noted within my attachments ) and IRS electronically sent to my checking account on XXXX/XXXX/2016, however it never reached it. IRS records show it was deposited into my checking account on XXXX/XXXX/2016. Upon further research, I discovered it was deposited in an account at J P Morgan Chase account with my name referenced on the deposit. The wrong routing and account numbers were placed on my return by my tax consultant. ( I will attach both the wrong and correct routing and account numbers for your review. ) The IRS sent an inquiry to J P XXXX Chase and the answer returned required IRS to submit a letter of XXXX request to have the funds returned. IRS refused to comply and closed my case. I have been waiting patiently since XXXX XXXX, 2016 to receive my tax refund to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit today and saw someone tried to use my personal information to obtain fraudulent credit. There are 4 fraudulent inquires with XXXX ON XX/XX/XXXX, XXXX XXXX XXXX ON XX/XX/XXXX, XXXX XXXX ON XX/XX/XXXX, XXXX ON XX/XX/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 non-monetary relief
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: CA
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:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete XXXX statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and 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 2022-10-11
Company: Maximus Education, LLC dba Aidvantage
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The customer service reps continue to hang up on me for no apparent reason. Every time I contact them a different rep gives me different & incorrect information. They keep creating excuses as to why my Refund timeline keeps getting pushed back.

They claim that they do not have all of the information regarding my loan from the Department of Education. When I called the Education Department they said that Aidvantage should already have all of my loan information. 

Advantage is intentionally causing delay for student loan refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: LA
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 Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: JPMORGAN CHASE & CO.
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello CFPB, I would like to bring to your attention the harassment policies that the CHASE bank has used against me. I opened a chase account providing all information which was asked at the branch making a copy of all documents as well. however they hit my credit for a credit card which they never gave to me and sent me a letter that i need to submit documents which i did again by going into the branch at XXXX UT. they again kept sending me the same letter until i asked them to stop by going in the branch again. 

now they again sent me a different letter that they are closing my chase account without prior notice and gave me the excuse that i dont have an ssn but i have been submitting taxes for the past 3 years on time and i gave them my ssn card to make a copy 4 times. they never sent a notice letter before and directly closed my account due to which i didnt get my direct deposit. these criminals at chase need your audit as they are doing frauds with customers like me who we have to suffer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Below I have listed a large number of inaccuracies on my consumer report. The credit reporting agencies have been notified by mail and by phone call. I should not have to debate nor argue over incorrect information listed on my report. I've asked XXXX, XXXX, and Equifax to provide proof any of the below inaccuracies are mine. Under 15 USC 1681a ( e ) investigative consumer report the reporting agencies should not list anything factual or about me as a consumer. In order to validate anything to place on my file it must first be verified by a neighbor, family member, or friend that knows of such knowledge. I gave none of the listed companies permission to use my social security account number to open, apply or inquire. I demand for all listed below to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX {$3900.00} Open XX/XX/XXXX Reported XX/XX/XXXX This is all negative info that am not obligated for, due to my contract of completion of the school. I did not resign for the loan next term. So therefore we have to contract in wet ink on paper.

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 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete XXXX statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and 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 2021-01-06
Company: EZ Finance Company
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
When I first applied for the loan the manager talked about everything but the details of the loan. She also mentioned she meets people at the store to purchase stolen property. I called in XXXX before I was 30 days late and tried to pay the past due balance and she told me they don't accept partial payment and I had to pay the whole amount. Today XX/XX/2021 My manager gets a call from the store manager stating she was calling in regards to her employee and she needed to talk to her in regards to legal action. Which was a threat. They should not be displaying my personal info and did not follow the rules of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
THERE IS AN OBVIOUS PROBLEM WITH THE REPORTED HISTORY FOR THE ACCOUNT THAT IS BEING DISPUTED AND IT NEEDS TO BE CORRECTED ACCORDING TO THE LAWS THAT ARE IN PLACE TO PROTECT ME FROM NEGATIVE REPORTING HISTORY AND INFORMATION THAT IS NOT ACCURATE. 
Prove alleged derogatory reporting claim of LATE PAYMENTS is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and 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 2015-10-06
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I first to out a mortgage loan with XXXX XXXX XXXX, then XXXX sold my loan to green tree, now the sold the loan to DITECH. I recently received a call from DITECH demanding a payment and harassing me about a late payment. I was not late on my payment. Ditech is harrassing for a mortgage payment that I was late on 2013. They have spoken to me with very bad language and demeanor. I have never been treated with such a bad attitude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: CA
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:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete XXXX statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Credit Management Control, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XX/XX/2016, this debt for {$98.00} appeared on my credit report. I have no knowledge of this debt and why they frivolously put this item on my credit. This item is unverified and has not been validated by me or my consumer rights attorney. This company did not send notice that item would be placed on my credit before letting me have the opportunity to verify that this item is even mine or belongs on my credit.I have never even heard of the original creditor to which is listed. I will sue if this item is not removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions 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: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX XXXX XXXX/member has no noticeable way to quit the service or stop receiving emails. No FIND on the site. No 'unsubscribe ' on the emails. The only contact info they give is Phone or Mail.

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 2022-08-04
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX Account Number : XXXX Bal : {$0.00} 2. XXXX Account Number : XXXX Bal : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions 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:
My last complaint you responded and said you assume it wasn't me who filed the complaint. I don't see why you think it is someone else. No one is serious about my credit but ME! So please do not try to use more stall tactics to not remove this account. On XX/XX/2020 Is sent a letter regarding inaccurate fraudulent things on my credit report it has been over 60 days and to this day I haven't received any results. I feel like I am being taking advantage and ignored by the credit bureaus. Section611 ( a ) plainly states that failure to investigate this item within 30 days gives a reason to immediately remove this account from my credit report. Clearly it has been way longer than that. I demand this account be removed immediately or I will file litigation due to the stress you have caused me. My information has been impacted by the XXXX  security breach and may have gotten in the hands of the wrong person. Included is also the FTC report that I filed, sent to each bureau and they haven't conducted an investigation for that either.

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