BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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

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 2016-06-30
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: UT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Cash Central of Utah XXXX Utah XXXX XXXX Gave an unknown person a loan in my name. I.D . Fraud No. number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: MD
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 following XXXX Accounts has violated my rights. 

account # XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX Servi 15 U.S.C 1681 section 602 A. I have the rights to privacy.

15 U.S.C 1681 Section 604A. Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions i

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 2017-03-14
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender advised on XX/XX/2017 By XXXX XXXX XXXX - opt XXXX - the clients file was approved for a loan modification : approval terms of In-house mod are as follows : Total loan amount is {$780000.00} -interest barring balance is {$540000.00} -deferred balance ( balloon note ) {$240000.00} -I/R is now 4.85 % and was 6.125 % XXXX month term - 40 years P & I pmt amount is {$2500.00} 1st pmt due XX/XX/2017 - this loan is on a service transfer list and will be transferred XX/XX/2017 - approval of terms are needed by the lender prior to the service transfer to ensure the new servicer honors the terms set forth. 

Since XX/XX/2017 I have been unable to get a response from the rep about the approved mod terms being mailed to the client. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX we have left voice mails for XXXX and also reached out to the opposing counsel regarding the approved terms, opposing counsel also reached out to XXXX and was advised that the approved docs would be sent to the client and to opposing counsel. To date the lender refuses to speak with the client to take a payment. The clients loan was on a scheduled transfer of servicer list and we were told the approved terms would transfer to the new servicer. We do not feel confident in the information provided by the lender and the lack of communication from the assigned rep is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I inadvertently overpaid my Chase Freedom credit card by {$5000.00} and change. I contact the credit card company, they were going to issue a refund. I called back, and was told no refund had been issue and it was over $ XXXX so they could not. I asked for a supervisor, was told a refund had been issue but they did not know where it was. I asked for an escalation and was told I would receive a phone call in 3 to 7 business days which I never got. I have been trying to deal with them by phone and or secure message, have been told repeatedly I was getting a call never did. Today I did receive a call and a voicemail message, so after over a month they are apparently sending the refund. The way this was handled and the flippant way they said we regret any inconvenience was absolutely disgusting. I lost over a months worth of interest on the money I had to wait for to be return, which I still do not have, they had no regard for the fact that perhaps I needed that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, U S DEPT OF ED/XXXX/XXXX, XXXX, XXXX XXXX XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX 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 explanation
Consumer complaint received 2015-08-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Other fee

Complaint:
XX/XX/XXXX I was approached by XXXX Attorney XXXX, located in XXXX CA, who claimed to be representing GE/Stein Mart, a credit card company from whom I had a credit card. I contacted XXXX requesting information on the debt, specifically invoices from the pro ported credit card showing purchases, payments and other information. The initial letter was sent XX/XX/XXXX. A follow up letter was sent XX/XX/XXXX after receiving no response to the first. I have yet to receive the information requested pursuant to the Fair Credit Reporting Act 1681s-2 and the Fair Debt Credit Protection Act. Last month I was rejected for a refinancing of my mortgage by the current mortgage holder, XXXX XXXX XXXX, in part due to this negative item on my report. This card, like several others, incurred a drastic increase in interest without notice and without cause in XXXX. I believe this was caused by a bankruptcy I filed that DID NOT INCLUDE ANY CREDIT CARD DEBT. I never missed or was late on a payment but multiple credit card companies increased the interest rate without notice or cause. I paid the increased interest for one or two years without realizing they had increased the rate. I have filed complaints with the CFPB and the other card holders on other creditors who did the same thing over the the same period and in at least one case the account was removed from my credit reports because it was found that the amount due was drastically incorrect when considering the overpayment of interest. In fact, the credit issuer owed me money. I am certain this credit card falls into the same circumstance but have been unable to get a response so I can perform the calculations to support my claim. I am including calculation of similar instances from another credit card company as an example of what I am certain is the case with this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX, account number XXXX Account name XXXX  XXXX, account number 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 2022-04-17
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim to medical debt appearing on my credit file. " GLA Collection CO Inc '' is alleging that I own a debt. I am certain I do not owe any medical debt and that my insurance company have paid anything that may have been owed in the past. It is a direct violation of the Fair Credit Reporting Act to have medical information appearing on my credit file such as debt that is alleged from a hospital. According to the Gram Leach Bliley Act, I have to give my written consent to have any consumer transaction reported on my credit file. I did not give GLA or any Medical/Financial institution to report anything on my credit file, it is a violation of privacy. It is also a violation pursuant to the Fair Debt Collection Privacy Act, to collect a debt that is not owed. I do not owe any debt and I am being harassed and abused by this collection company. I demand that they cease and desist all forms of communications with me through all mediums just as the FDCPA states. All mediums do include the reporting on my credit file. I also did not give this company any permissible purposeI as defined under the FCRA to report this alleged debt to my credit file. I demand that these collection accounts be removed from my credit file immediately and the debt be XXXXXXXX XXXX  out in their system. This company is in direct violation to the FCRA and FDCPA. I will seek remedy if my request are not met.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: JH Portfolio Debt Equities, LLC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On XX/XX/XXXX2016 I filed FTC Report Number # regarding identity theft for being billed and paying medical debts that i do not owe under my married name. Here I am having this issue again under my maiden name. This fraudlent billing seems to follow where every my step son lives,. First, in XXXX and now this bill is coming out of XXXX. He just left XXXX. I believe there is some type of connection. I followed the FTC recommendations for identity theft to prevent any further issues. I just received 2 bills in the mail today for the same amount with different billing numbers basically for the same ambulance company. The bill that was generated by this collection company changed the name of the ambulance service some. I do not owe anyone any money that I am aware.

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 2022-04-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have XXXX automobile loans on my credit report that are still showing balances. One is with XXXX XXXX the other with XXXX  XXXX and the last with XXXX XXXX XXXX XXXX. All of these loans are paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
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:
XXXX, Equifax and XXXX wont remove the fraudulent items off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX and Transunion wont remove the fraudulent items off my report

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 2022-04-18
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquires : 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 2022-04-17
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX : I disputed an amount of {$670.00}, this account was not accurate. I would like this removed from my report. 

XXXX XXXX XXXX account # XXXX : please have removed from credit report Amex account # XXXX Late payment was added to credit report which was incorrect and I've been on time with all payments. Please remove from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions 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  1.The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 2.XXXX XXXX XXXX Account Number : XXXX 3.XXXX XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX 5.XXXX XXXX  Date of inquiry : XX/XX/XXXX 6XXXXXXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX 7.XXXX/XXXX  Date of inquiry : XX/XX/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 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 HAVE TRIED TO HAVE THE CREDIT BUREAUS REMOVE THE NEGATIVE ITEMS BUT THEY WILL NOT EVEN WITH THE POLICE REPORT

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 2015-10-19
Company: Empowerment Ventures, LLC
State: CA
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
Its been over 7 days and I still dont have access to my money or direct deposit which posted on Thursday XX/XX/XXXX. No customer service and no expected time when or if I will get my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-17
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  1.The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 2XXXX XXXX XXXX Account Number : XXXX 3.XXXX  XXXX XXXX Account Number : XXXX 4.XXXX Date of inquiry : XX/XX/XXXX 5.XXXX  XXXX  Date of inquiry : XX/XX/XXXX 6.XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 7.XXXX Date of inquiry : XX/XX/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 2016-12-24
Company: BorrowersFirst, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an unsecured loan with BorrowersFirst and lost my job 10 days ago. I contacted them immediately, as I was only able to make a particular payment on my XX/XX/XXXX payment. The representative was very nice and understanding. Took my payment and to pay what I could to stay out of collections until I could catch up - presently interviewing for work. Since then, I get phone calls from Borrowers First 5+ times per day and 2 or more text messages. I call them back daily to let them know that I spoke to them the day before and that my situation had not changed yet / that I felt like I was begging harassed when I tried to do the right thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card
Issue: Privacy

Complaint:
Chase Bank is asking their credit card holders to fill out an authorization to release their SSN to Chase along with a XXXX form. They claim it 's in the name of identity theft protection. Failure to do so will cause the account to be closed. No other credit card company is asking for this and the mere act of mailing it puts my data at risk. 
Credit is a competitive business and I have options. However, many others do not and would face inconvenience and possibly higher fees due to a change in circumstances. Plus Chase is n't going to assume liability for the inevitable mail fraud that will take place. Bringing the forms into a branch is n't an option when there is n't one close by. Oh, and did I mention - they say it 's for verification of my SSN? Which they already HAVE?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I am not able to login to my account via photo ID. They then ask me to take a photo via the phone app. I am not able to do so since I ca n't login ... I do n't understand why the app is like this. If I ca n't login via the browser on my computer, how can I login via the phone app to click on the option to send a photo ID?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: PROVIDENT FUNDING ASSOCIATES
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
{$110.00} late fee assessed on my mortgage payment. After 7 years without a missed/late payment, this company would not offer me a one-time courtesy after this perfect payment record. I spoke to " XXXX XXXX '' a customer service manager who was arrogant. Then I spoke to " XXXX XXXX '' in the corporate office who refused to give me the president 's phone number. ( His name is XXXX XXXX ). I wanted to speak with him directly, but was not allowed. Their stonewalling and indifference were very unprofessional. Can you help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: NC
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. 

1. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Was never late 2XXXX Account Number : XXXX Was never late 3XXXX Account Number : XXXX Please remove it from my credit report. 
4.XXXX  Account Number : XXXX 5. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6.XXXX  & XXXX XXXX Account Number : XXXX Was never late 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 2022-04-17
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an email on XXXX XXXX, 2021, indicating that American Express was running a promotion associated with my Hilton XXXX card stating that if I spend a minimum of {$8000.00} on my card, I would receive a free Hilton night within XXXX weeks of meeting that spend requirement. 

I met the spend requirement on XXXX/XXXX/21. It is now over 19 weeks since then and I was told today when calling AmEx about the free night status to wait another 7-10 weeks by a customer service representative with no other recourse. They also said this has been a common problems with other cardholders.

Company response to consumer: Closed with non-monetary relief