BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: LA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2021-09-29
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:
I sent a letter on XX/XX/2021 by USPS certified mail to XXXX, Experian, and XXXX, disputing inaccurate information they are reporting to my credit report and they failed to send me results of any investigation! They are in violation of the Fair Credit Reporting Act by continuing to report unverified/inaccurate information to my credit report and I demand they immediately reinvestigate the following accounts : 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 non-monetary relief
Consumer complaint received 2017-03-13
Company: Equitable Acceptance Corp
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I reached out to XXXX XXXX XXXX after seeing something on XXXX to inquire about my student loans I am repaying. They claimed to be part of the Department of Education and told me they could help to lower my payments by enrolling me in a payment based repayment plan. I ended up qualifying for a {$0.00} payment but I would owe {$39.00} for the service of the program monthly. What I now know is they are charging for a service that is free. They have a company called Equitable Acceptance that charges my account every month. I only became aware of this because when I went to renew this year I was sent to the Department of Education website to basically recertify myself. They do it charge any service fees and can help you do everything. These companies are pretending to help people and even at a low rate, the amount adds up over years and per clients. 
I have tried to resolve this issue using my bank. They have put a stop payment on future debits for the {$39.00}. However, they are not able to reverse XXXX of the charges. I have also changed all of my Department of Education login information so these companies have no access to my things.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 dispute any and all alleged debts listed in my attached documents. If you believe I am in debt to your company I need to see the burden of proof. These accounts should not be reporting on my credit report without validation.

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 2021-09-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This case is continuation of previous case # XXXX I submitted to CFPB. Chase did not resolve my issue. I left couple of messages for the XXXX ( executive officer assigned ) but I never got the call back, while appreciate chase listen to my conversation with the agent and found agent didn't meet quality standard but I don't feel chase is doing anything to resolve actual issue. I am charged for the ticket price however, XXXX XXXX claimed they have refunded my ticket I have provided all the proof provided to me by airline.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
Company: Cascade CISS Holdings, LLC
State: AL
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:
Made inquiry for loan with XXXX of XXXX, AL. Specifically request that I am not shopped around and only request financing from XXXX XXXX. The hungry salesman disregarded my request making multiple outside request, as well as duplicate request with the same company on different dates fraudulently, without my knowledge, verbal authorization or written consent.To add, there are duplicate inquiries within a XXXX hour periods for the same funding agencies. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Skopos Financial, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2022 I completed a preapproval application for a loan with XXXX XXXX. This had no credit impact so I decided to apply. At that time the company told me I was preapproved for a unsecured loan and a secured loan. I moved forward with the unsecured preapproval option and was approved for the unsecured loan. I was prompted via the website to add my income verification documents and identification for final approval of my loan. After submitted the documentation and verification I was called and told that my loan option had been switched to only a secured loan using my vehicle as collateral. If this would have been stated initially I would never have proceeded with the application which resulted with a hard inquiry on my credit report. It's clear that XXXX never intended to provide me with a unsecured loan. The only goal was to use it as bait to offer we a secured loan. The preapproval for the unsecured loan was false and issued in bad faith as a sales tactic. As a result, I want the credit inquiry from XXXX XXXX on XX/XX/2022 removed from all 3 credit reporting agencies. If XXXX would not have issued a false preapproval for the unsecured loan I would have never applied in the first place. The false preapproval was issued in the hopes that I would accept the secured loan which they attempt to pressure you into taking after you decline it several times.

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 2021-09-29
Company: EQUIFAX, INC.
State: NY
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report nd Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Account name NY CHILD SUPPORT XXXX, Account # XXXX Account name XXXX XXXX XXXX  Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX bankruptcy XXXX Reference # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: NY
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report nd Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Account name XXXX XXXX XXXX XXXXXXXX, Account # XXXX Account name XXXX XXXXXXXX XXXX  Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX bankruptcy XXXX Reference # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My car loan for a XXXX XXXX XXXX with JPMCB was paid in full back in XXXX. Soon after JPMCB sent us the title to my vehicle as normal when you pay off a vehicle. However, JPMCB is reporting to XXXX that there is still a past due balance of {$1100.00} and this account is in collections. How can we have the title received from JPMCB if we still owe a balance. This account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have submitted a dispute with all the XXXX bureau 's Just been informed as I was trying to buy a house that just recently this judgment was on my report. Judgment is from XXXX and I have a judgment that stands on my credit report that was not from me. the evidence given by ascend shows checks signed by me. The check signature on back is not my signature or known facility of business on check. the check is made out of XXXX XXXX XXXX, I do not use my middle name ever!. also documents state that I was sent many letters that I never received or seen a sheriff come to my house and serve any papers. At that time I worked XXXX hours a day. Working an going to school. From the attorney she stated I will be getting recurring interest since I called about the issue XXXX/XXXX/XXXX. She says the total is now XXXX so I am very confused how this judgment has changed so drastically in a matter of months. I need help figuring this out cause XXXX XXXX is not assisting besides pay the debt and I have numerous time said this debt is not mine. Even if it the judgment came off i was told that ascend will not remove it, so i am screwed no matter what.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have concerns that Chase is not adhering to the Fair Credit Billing Act, as it relates to my rights to an equitable, timely, accurate, and fair dispute process. The Company is also failing to acknowledge and directly reply to my many inquiries, correspondence, and requests for information on this matter. Additionally, no one in the relevant departments has been made available to me to discuss my case in detail, to achieve a mutually satisfactory resolution, despite multiple requests and unreturned messages. Lastly, I have been refused in my requests to pursue arbitration on this matter, which I believe is my right. 

I have had prior CFPB complaints regarding Chase, but this complaint pertains to entirely new issues, as Chase in its recent correspondence to me and the CFPB ( dated XX/XX/2021, attached ) has made a number of new omissions, misrepresentations, and/or mistruths, apparently in an attempt to uphold its original improper judgment. The at best disingenuous nature of essentially all of Chases responses in this letter highlight the need for a third party arbiter to cut through the noise and sanction the Company for its failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: DISCOVER BANK
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
To whom it may concern, Im contacting you to complain about Discovery Loans ' misleading loan process and to request a resolution that I deserve. 

On XX/XX/2022 at XXXX, I called Discovery Loan at XXXX ( XXXX ) XXXX to finalize my loan request to consolidate my debt after submitting an online request ( application number : XXXX ). In that conversation, I was informed that I was qualified for a loan and asked if I want to move forward with the loan process. I provided my consent to move forward as we agreed to use the loan to consolidate two of my existing loans with Discover Loans and pay off a couple of credit cards with the remaining amount, which was about $ XXXX. The loan specialist told me that I can enter the credit cards account information later online or via phone in order for them to be paid off. 

A few days later, once I gathered the information, I entered the cards account information online but received a warning that I needed to complete one last step. So, I called Discover Loans to finalize the process but I was told that they actually made a mistake, and Im not eligible for a new loan because I already have two loans with them and need to go through nine payment cycles for the latest loan I got with them in order to qualify for a new loan per their policy. I got that loan in XX/XX/2022 and the ninth payment is in XX/XX/2022, meaning that I am only a month behind. They told me they were going to look into if they could honor the loan or if they could remove the hard inquiry, which already impacted my credit score. 

After a few days, I had to follow up with them to get an update and I was told that they will not honor the loan and instead they will request to remove the hard inquiry from my credit history, which may take up to 40 days to process. I told them its understandable that the typical process to remove the hard inquiry from my credit history may take up to 40 days but its unacceptable for me to suffer the consequences of their mistake as my credit score is already impacted which complicated my financial plans and 40 days is too long for me to wait. I requested that they should honor the loan to make it worth to the damage on my credit score as well as interference my financial plans. 

Their actions and solutions are unethical and causes not only inconvenience but also harm to my finances and life. No individual or institution should be allowed to not fix their careless mistakes and impact on peoples lives. If the hard inquiry removal was immediate, I could accept it as a solution but given the length of it and its impact in my life, I dont accept it as a solution. The damage is already done and I need a better solution. Indeed, I request to be honored with the loan that I was originally told to be qualified. 

I look forward to hearing from you. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: American Credit Acceptance, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received a copy of my transaction payment history with American Credit Acceptance. I got this loan in XX/XX/2019 and my payments are {$330.00} each month due by the XXXX. The interest rate is 28 % and am also under a simple interest loan with has a per diem. of {$7.00} daily interest. I have every payment and never been 30 days deliquent on this account. ACA has applied over 8 payments towards all of interest and nothing towards my principal balance. I have tried to call them and discuss this error and no one is able to assist me they keep trying to tell me its simple interest and I understand that however even though it is simple interest if I pay any payment before the due date I should have money applied to interest if paid before the due date and at no time should my full payment be applied fully towards interest if I am paying before the due date or not going over 30 days. I have tried my best to discuss this with ACA and I am getting no where with them. I work for a bank with mortgages and I know exactly how simple loans work and should apply to debt balances. Please review my payment history and have them update this payment on my credit report file as well as their file. Thank you so much!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XX/XX/XXXX on EQUIFAX credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act XXXX XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax has been manually updating reports making them inaccurate, these Tradelines now reflect as not being paid - and closed. This is a trending issue, and as such -- I do not agree to resolving this dispute outside of this portal. These defects in the record are the result of EQ making changes, and not the source. 

ALL of these accounts are CLOSED and PAID, and at some point stored the correct designation. They were updated and innacurate. I DO NOT agree to have these positive Tradelines, deleted because EQ manipulated the data, it must fix it. 

The following CLOSED Tradelines - have a " N/A '' Activity Designator, and should not. 

Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. XXXX XXXX is the only one reporting correctly. 

Credit LimitXXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX/XXXXShow Details XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LOST OR STOLEN CARDXXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXX XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: Paypal Holdings, Inc
State: CO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I purchased a ring as described as a certified XXXX yellow gold Alexandrite ring on eBay and paid using my PayPal account. After receiving the said merchandise I verified the information with my jeweler and the jeweler informed me that this ring was not XXXX gold and the size of the alexandrite did not match the certification documents. Contactingboth EBay and PayPal they said they could not help me with my claim as they bothclosed my claims without informing me. As noted in the eBay terms of use it clearlystates in their money back guarantee states " If a buyer suspects that an item is counterfeit, and there are strong indicators that the item is counterfeit, we do n't require the buyer to return the item to the seller. The buyer agrees to cooperate with us to ensure the proper disposal of the item. In such instances, we refund the buyer for the full cost of the item and original shipping, and the seller reimburses us for the refund. The buyer may not sell the item on eBay or elsewhere. '' XXXX EBay Money Back Guarantee XXXX. As EBay and PayPal unable to resolve my issue as informed by representatives of XXXX company 's they informed me to file a claim with my bank. It is quite frustrating how EBay does not honor their own money back guarantees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation