BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: EQUIFAX, 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:
This is my XXXX attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

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 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: FL
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 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

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 2022-09-29
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage acquired my mortgage on XX/XX/XXXX. Previously I had an automatic payment so that my mortgage would be automatically drawn from my bank account. Upon acquisition I was required to setup a new account to be able to reset my automatic payment. However I have been unable to get that account setup, I have called in over 5 times, and spent more than 5 hours overall working with the company to correct the issue of being unable to have an account with them. The only response I have received is that because its in the first 60 days of transfer my payments will not be considered late ( due to regulation ). I understand the ability for companies to buy and sell mortgages, and would even be ok had I simply had to do the additional work of creating an account, but at this point over 5 hours of effort on my part to be required for a beneficial piece of service that was offered as part of my original loan being removed.

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2022-12-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
So I called XX/XX/2022 and XX/XX/2022 to remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2022-12-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Servicer, Select Portfolio Servicing Inc ( " SPS '' ), refuses to acknowledge lease that is protected by Protecting Tenants at Foreclosure Act ( PTFA ). 
SPS has attempted two evictions and refuses to provide contact information for property manager and refuses to do repairs to property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Harpeth Financial Services, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I believe that XXXX XXXX is erroneously reporting the amount of debt on my credit report and have added fees/ charges they are not entitled to receive, resulting in a higher balance for me. The account has been forwarded to a collection agency ( XXXX XXXX XXXX ) so is negatively impacting my credit. I've tried to pay a fair amount to settle the account ( {$600.00} ) but they won't accept it. I've called the collection agency multiple times and XXXX tells me they can't adjust the amount. I'm willing to settle for {$600.00} but I don't feel it's right to have to pay the extra charges they chose to add on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I want to close my Comenity Capital Bank/IKEA Project card because they billed me over {$30.00} in late fees and minimum interest for a {$3.00} interest charge that I did not know I owed. I logged into my account online on XX/XX/22 and paid the full balance, {$1400.00}, that was showing. I then was charged {$3.00} in interest on my XXXX statement, which I was unaware of. I logged into my account online today and learned for the first time of the {$3.00} interest and that I have been charged late fees and minimum interest fees. I paid the total outstanding balance. I then tried to close my account. Online it says that to close your account you have to call the Customer Care phone # on the back of the card. It does not provide any other options for closing your account. I called Customer Care at XXXX, which is the # on the back of my card, and it does not give an option to close your account, or to speak to a customer care agent, or to say that you're calling for another reason. The only 5 options it gives you do not apply. After cycling through these options 3 times, I was finally transferred to an agent. She told me that she could not help me and that I had to call the Customer Care #. I told her that I had called the Customer Care # and that it gives me no option to close my account, talk to an agent, or indicate that I am not calling about any of the 5 options, and that I was put through to her. She told me that she could not help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: CA
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 to the Fair Credit Reporting Act the following creditors and/or collectors have committed violations -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 XXXX15USC 1681 SECTION 602A states I have a right to privacy ***15USC 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records : XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collecons : XXXX 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 XXXX Records : XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: JPMORGAN CHASE & CO.
State: AZ
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 response is regarding the {$1100.00} Invoice No. XXXX Invoice Date : XX/XX/2022 totaling {$1100.00} from XXXX XXXX. This invoice from XXXX XXXX was received for the first time on XX/XX/2022 despite services rendered five months or more earlier. There was never an invoice from XXXX XXXX prior to this date and there is no support for the charges on this invoice. An initial payment was made on XX/XX/2022 for {$650.00} for delivery and weight up to three tons and a second payment was made on XX/XX/2022 for {$740.00} for weight overage charges. It was the customers understanding that these charges totaling {$1400.00} were payment in full and the account was settled. Subsequently, and with no prior notice or discussion, and no invoice, a third charge was received on XX/XX/2022 for an additional {$850.00} which was disputed. Now Invoice XXXX has been received for an additional {$1100.00} requesting another {$650.00} dumpster rental and for three dry run charges at {$150.00} each totaling {$450.00}. According to XXXX XXXX own XXXX XXXX XXXX run charges are {$50.00} and XXXX  are {$470.00}. We have paid {$650.00} for a {$470.00} dumpster rental already. Please continue this dispute. At this point we do not trust any documentation provided by XXXX XXXX. XXXX XXXX appears to be creating increased invoices as time passes. Enclosed is a copy of XXXX XXXX XXXX Rules reflecting {$470.00} for a rolloff and {$50.00} for a dry run. As a reflection of the dumpster market, typically, a 20 yard dumpster 's average cost is approximately {$450.00}. Because the dumpster was in XXXX the {$470.00} was approved. Chase is not been willing to help. i mailed 2 certified letters to XXXX XXXX without any success. chase don't even bother reading the letters. unacceptable. I'm a great Chase client. also, any dumpster anywhere is not more than {$650.00}. we paid already XXXX XXXX  {$1400.00} ... .for one dumpster ... one trip ... outrageous and fraudulent that they want another $ XXXX.scammers!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$6700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX Balance : {$81.00} XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$340.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In accordance with the Fair Credit Billing Act please provide the information in accordance with FTC regulated laws and the proof that was used by the merchant to verify the charge in the amount of {$280.00} as authorized. This is a request for all documentation provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Lender : Professional Bureau of Collections of Maryland , Inc . XXXX XXXX XXXX, XXXX XXXX, CO XXXX Phone : ( XXXX ) XXXX I was contacted by this collection agency, on XXXX/XXXX/XXXX to repay a student loan I had that went into default in the amount {$5300.00}. The lender aggressively advised me that they had completed an " asset investigation '' and how much available balance was left on a credit card and advised me to max out my credit cards to make the payment. I was also advised to take out a title loan on my car for {$2100.00} to settle the debt and to make the payment. One of the " bosses '' that I had a conversation with told me about how lucrative of a business they had collecting debts and that 's the only reason he was still in that trade. I received a call today XXXX/XXXX/XXXX and was advised that my payment did not go through for an amount that was completely out of my range. I told the representative that I could not max out my credit cards and the amount requested XXXX was completely out of my range. I told them I was susceptible to making arrangements to getting the account current and making monthly payments. The representative told me that they did an " assest investigation '' and knew that I was employed and would seek alternative resources to collect the debt. I still want to get the account current and work so that it eventually gets paid off.

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Employer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX OF XXXX XXXX XXXX XXXX  XXXX Addresses : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, WI XXXX Public Records : XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX CO XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecon : XXXX XXXX XXXX XXXXXXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, WI XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Inquiry : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Collecons : 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 Name : XXXX XXXX XXXX Addresses XXXX XXXXXXXX XXXX  XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Reocords : XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collectons : XXXX XXXX XXXX XXXXXXXX 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