BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: WV
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 accounts have violated my rights XXXX XXXX XXXX # XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 Section 602 A states that I have the right to privacy I would also like all addresses and employment removed with the exception of XXXX XXXX XXXX XXXX XXXX XXXX, West Virginia 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 2020-03-31
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted ENHANCED RECOVERY COMPANY after seeing a bill from them on my credit report. They stated that I had a debt with XXXX, I initially asked about paying the debt, but then they stated they don't own the debt and will try to update. So I decided to contact XXXX where my account is closed and paid in full. 

The amount that enhanced recovery company is claiming was already paid to XXXX directly the payment confirmation number from XXXX was # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Stephen Einstein & Associates, P.C.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was a cosigner on a vehicle Auto loan for my brother back and I believe the date was XX/XX/XXXX which the vehicle was repossessed. now a week ago XX/XX/XXXX and receiving notification that I 'm to get a wage garnishment for this vehicle the debt at the time was about {$4000.00} left on the car loan and the garnishment is for {$22000.00}. I called the attorney Steven Einstein and associates Who represents a company that is on the garnishment called XXXX to find out what the debt was in when it was I asked them for documentation and they refused they said they will not make my attorneys job easier by sending me the documentation for the debt. They stated that they have a judgment against me so they do n't have to do anything but collect money at this point I was never served any paperwork for court and had no idea of the date of court. my understanding also at the time was that I was a comaker not the only person on the auto loan which the collection agencies now stating that there is nobody on the XXXX except for me. I believe it does that is over XXXX years old and I do n't understand how they can come after me XXXX years later for that that was n't even really mine in the first place. also how are they allowed to garnish my wages and not prove send any proof of the debt to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Upon checking my credit report I found an account listed in my name ( XXXX ) which I eventually identified as XXXX XXXX reported through XXXX ( XXXX XXXX. XXXX While this account balance was listed as only {$14.00} it was an account that I had never ha with XXXX XXXX. But the account was listed as derogatory/collection/charge off with XXXX missed payments. Account was listed as closed on XXXX XXXX, 2013 but missed payment monthly was being listed consecutively including the current month. I reacted immediately filed a dispute with TransUnion informing them that the account was not mine as well as sending a certified letter to XXXX. TransUnion say they processed the dispute and they marked the account " disputed by consumer meets FCRA '' and continue to report the account exactly as previously stated with same derogatory language. XXXX identified themselves a the reporting agent for XXXX XXXX. Their response was even more gross asking for my social security number and my XXXX digit credit card number after I told them I never had an account with XXXX XXXX ( around and around goes the merry-go-round ). At this point of frustration I have to rely on this Bureau to get results as my efforts are proving futile. All I want is removal from the credit bureaus this erroneous account and a letter of apology from 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 2020-03-31
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:
I found out that there are accounts and credit inquiries on my credit report that do not belong to me ; I found out today XX/XX/20 because I was denied from getting a XXXX  XXXX credit card. The accounts and inquiries that do not belong to me were opened without my permission. I do not have any contract or relationship with any of those companies and I never gave them permission to run my credit. I did not benefit anything from these accounts and inquiries that were opened in my name nor did I ever make any payments towards any of those accounts. I still don't know who opened those accounts in my name but I have filed a police report to the best of my knowledge regarding all of these suspicious accounts and inquiries.

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 2017-01-24
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX, and I work for XXXX XXXX XXXX XXXX. We are handling the title and escrow for the sale of XXXX property. XXXX gave me signed authorization to obtain their 1st and 2nd mortgage payoffs with Chase. I spoke to 3 different people at Chase on XXXX XXXX, 2017, in their 1st and 2nd mortgage departments. They all gave me the same fax number to submit my request for payoff and told me that the turn around time was 5-7 business days. I waited the full 7 days and called to check on my request. They told me that they did not have any record of my requests, and that they did n't show that fax number anywhere in the system. I have fax confirmations showing my faxes went through, yet they are saying my faxes were n't received. They 're also telling me that I now have to wait the 5-7 business days again. This is not acceptable. The customer is trying to sell their home and this will hold it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hello I received a hard inquiry on my credit report on XX/XX/2022 from capital one. I also had received a phone call and voicemail from capital one regarding a recent application ( that I had never recently applied for anything at capital one ) and that they needed my verification and provided an application number at the end of the voicemail as-well as a phone number to call back. 

I call the phone number provided from the voicemail, and tell the customer service rep my issue and that I needed to talk to a manager, and was kindly told that it would be transferred over in a short period of time. 

After I get a hold of the fraud manager I was repeatedly told to provide my full social security in order to access the application. I was adamant about not providing my full social as it clearly looks like Someone is trying to fraud and use my identity without my knowledge or permission. 

The lady I was speaking with tells me that I can provide either an application number or my full social once again and I give the application number that I received in the voicemail and continually being told that they have no record or history. 

I tried to provide literally every information that a company would need in order to access my so called application and cancel it except for my social. Why would I give you my full social when Im clearly being scammed. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from 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 explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2015-05-15
Company: MarkOne Holdings, LLC
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My mother was returning calls and taking messages for me letting people who were contacting me know that I have been XXXX A call came through to my phone ( that I now believe was a cell phone, not business ) from a lady named XXXX and my mother immediately called the number back and spoke w/ her. She proceeded to tell my mother where she was calling from, what she was calling about, the status of my account, how many days past due I was ( which was 33 at the time and was said to be almost 60 ), and that I was in jeopardy of being sent to recovery. She then proceeded to get bank account information from her. There is no one authorized on my account but me and not only did this embarass me but caused an verbal altercation between me and my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
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 Account name ( XXXX  XXXX ) account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604A. Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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:
This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax, XXXX, and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Lender : J.P Morgan Chase Bank Loan Date : XXXX Account # : XXXX Home Equity and Consumer Lending Division XXXX XXXX XXXX XXXX, OH XXXX Branch Office that Wrote Contract : Chase Bank XXXX XXXX XXXX, MI XXXX My Reason for filing a complaint is due to me XXXX XXXX trying to get copy of the Appraisal ( suspect fraud ) I am in need of the appraisal regarding the contract account listed above. 
I have contacted the Branch Office twice regarding this issue. In return I then received two letters regarding the appraisal, stating they are no longer available. 
I was informed by law all documents are suppost to be available including appraisals. So if I needed copy of appraisal ( as I do ) it would be available. 

Thank you for taking the time to read and review my complaint. You are welcome to contact me any time between Monday - Friday XXXX - XXXX at XXXX Or After XXXX or on Saturday and Sunday at XXXX XXXX also email XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Transaction issue

Complaint:
This is formal complaint to express my disappointment with the lack of service provided to me from Chase Credit Card Services after explaining the following complaint with a merchant. 
Merchant : XXXX XXXX XXXX XXXXOn XXXX -- I held my son 's XXXX party with the merchant listed about. The complaint is as followed : A written statement was sent to inform merchant of my negative/positive experience with the food and services that I paid for on XXXX. First the food was great, however, I am very disappointed in the level of service that was provided. Per the contract, the staff was to look after my party and refill buffet food accordingly especially when XXXX XXXX imposes a mandatory 20 % gratuity/Service charge, I expected the service to be great and up to par. Unfortunately, the initial service by the staff was unsatisfactory and was not meet per the contract. Listed below is a quick summary as to why : -- - The waitresses at the beginning were not attentive to my guess -- drink service and refills! Staff did not notify my wife or me when the food was ready so we were not able to inform our guests that they could serve themselves My guests made their own decision as to attending the buffet which is unacceptable. 

-- - Merchant informed us per the contract that someone was going to be alert and keep an eye on the food so when food was running low more food would be put out. We ran out of the XXXX more than XXXX and it took almost XXXX minutes for them to be replenish. -- -unacceptable. brench of contract -- - Also at the beginning when we first arrived the waitress introduce herself and stated that she was going to be with our party, but when we were ready to order some pitchers of beer and our guest trying to obtain refills they were nowhere to be found. This was frustrating to my guests and embarrassing to me. At the end the waitresses were there and they were doing their job and even help cut the cake, but by this time the negative experience outweighed the positive XXXX. 

Overall our experience was OK, if XXXX is going to implement a mandated 20 % gratuity/service charge we expect 100 % service not 80 % not 70 %. At a minimum I would expect some type of adjustment to the fee/tip. Again, the food was great, but the initial service was unsatisfactory which made my husband very unhappy and was embarrassed by the actions occurred. 

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have private student loans with navient that im forced to pay and the school I attended is closed and i was not able to graduate or transfer my credits. We are all familiar with XXXX XXXX. I should be able to aplly for a closed school discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I HAVE CALLED TRANSUNION JUST ABOUT EVERY MONTH FOR TWO YEARS, AN ACCOUNT FROM XXXX XXXX IN WHICH I AM THE AUTHORIZED USER HAS BEEN DELETED/BLOCKED OFF OF MY CREDIT REPORT FRAUDULENTLY, TRANSUNION STATES A DISPUTE I MADE TO UPDATE ONLY INFORMATION SUCH AS NEW CREDIT LIMIT AND ALL PAYMENT HISTORY PERMITTED REMOVAL OF THIS ACCOUNT. TRANSUNION WAS REPORTING OUT OF DATE INFORMATION WHICH MADE IT DIFFICULT TO OBTAIN CREDIT. TRANSUNION STATED THE ONLY WAY THAT THIS ACCOUNT CAN BE RE-ADDED TO REPORT IS IF CREDITOR BEING XXXX XXXX CALLS A MARKETING NUMBER ALLEDGEDLY XXXX XXXX IS SUPPOSED TO KNOW AND HAVE. TRANSUNION WILL NOT PROVIDE ME WITH THIS NUMBER TO GIVE TO XXXX XXXX, ALL OF XXXX FEDERAL CORPORATE REPRESENTATIVES HAVE STATED THAT THERE IS NO SUCH NUMBER THAT THEY EVER CALL. IT IS APPARENT TRANSUNION HAS BEEN PROVIDING ME WITH FALSE AND MISLEADING INFORMATION FOR OVER TWO YEARS. THIS HIS HINDERED MY ABILITY TO FAIRLY OBTAIN CREDIT FOR WELL OVER TWO YEARS BY NOT REPORTING THIS POSITIVE ACCOUNT. TRANSUNION HAS ALSO STATED THAT THIS ACCOUNT IS BLOCKED, MEANING THEY CAN SEE XXXX XXXX 'S MONTHLY UPDATES, BUT CAN NOT AND REFUSES TO INSERT THE ACCOUNT BACK ON REPORT. IT IS A FACT THAT IF THIS ACCOUNT SLIPPED INTO A NEGATIVE STANDING NEGATIVELY AFFECTING MY SCORE THE ACCOUNT WOULD BE RE-ADDED BACK TO MY REPORT WITHOUT ANY QUESTION WHICH IS AN UNFAIR PRACTICE AND BIASED. XXXX XXXX HAS PROVIDED AMPLE CONFIRMATION TO HAVE THIS ACCOUNT RE-ADDED TO MY REPORT WITHIN THEIR POWER ALSO BY CONDUCTING THEIR REQUIRED DISPUTES TO HAVE IT PLACED BACK ONTO CREDIT FILE, TRANSUNION HAS NOT BEEN TRUTHFUL WITH THE MEANS OF PROCESSING. IT IS MY UNDERSTANDING TRANSUNION IS COMPENSATED FOR REPORTING NEGATIVE INFORMATION AND WOULD BE TO THEIR ADVANTAGE TO DO SO. THE ACCOUNT IN QUESTION ENDS IS PARTIALLY XXXX. IT MAKES NO SENSE FOR TRANSUNION TO REMOVE AND BLOCK WHEN A CONSUMER REQUEST A CREDIT BUREAU TO DO WHAT THEY ARE SUPPOSE TO DO, PROVIDE ACCURATE INFORMATION. TRANSUNION APPEARS TO BE PRACTICING ILLEGAL METHODS. I CAN OBTAIN CONFIRMATION ON THE PART OF XXXX XXXX PLEASE ADVISE. IT SHOULD BE NOTED THAT THIS ACCOUNT IS REPORTED ACCURATELY TO THE OTHER XXXX MAJOR BUREAUS. THE ACCOUNT IN QUESTION HAS A HIGH AVAILABLE CREDIT RATIO WHICH GREATLY IMPROVES MY PERSONAL CREDIT. OTHER CREDIT BUREAUS REPORT THIS ACCOUNT, THEREFORE TRANSUNION HAS NOT BEEN HONEST IN THIS MATTER. THE DISPUTE CLEARLY STATED BY CONSUMER THAT I WANTED TRANSUNION TO UPDATE MY CREDIT LIMIT AND LAST PAYMENT ONLY.

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 2016-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union had a computer glitch and removed all my inquiries and reinserted them within a week and failed to report to me they were doing so, which is in direct violation of federal law

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