BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: GA
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 just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/2023 Please remove it from my credit 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 2022-01-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing this letter in because I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, and I saw a debt from PORTFOLIO RC for XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX in the amount of {$600.00}. Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and ( 4 ) A copy of your license to practice debt collection in my state. I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
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:
n 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 # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a third party check amounting to XXXX on XXXX XXXX The bank hold the check for 8 days while theyre verifying the check endorser which they did not verified because the phone nunber is not registered under the name of the check endorser. 
Now after 8 days the check cleared and they restricted my account. I can not withdraw the money or they can not lift the restriction unless they can verify the phone number i gave them. The problem is the endorsers phone number is not registered with his name and i can not do anything about it. 

Now the bank is closing my account and will hold the check until theyre able to verify with the endorsers phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted original creditor they were unable to validate my information under section 623 My information was accessed with XXXX data breach this account coulda been opened with the result of that breach please seest and assist from contacting and reporting fraudulent account

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 2023-07-11
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I opened a credit card in XXXX. Since then, it was charged off to Midland Credit Managament. Someone responsible in collecting the debt in this company attempted to contact me via phone in XXXX of XXXX. I told them that at that time I could not pay the amount in full when they offered, but that I would get with my husband about what we could afford and call them back when I could ( as I have been unemployed since due to high risk XXXX and having to stay home with my child-meaning no source of income ). They called back the very next day without waiting for me to contact them first, when I answered they were forceful in stating the only options available to me and asking over and over again if I had spoken to my husband about it. I told them that I had not spoke to my husband yet, and am aware this will affect my credit but I dont have many options at the time. They continued to call consistently for up to 3 days after this second phone conversation and leave voicemails. They mailed things to me as well at my home address regarding the charge off, and put on paper what my options were then. I already stated to them that I would get back with them and they did not allow me the time. My circumstances have not changed since then and they are attempting to sue me for the full amount plus court fees. I also attempted to contact them back via mail after being served by the magistrate court and they refused to respond to any of my solutions or offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Last Verified : XX/XX/2021 Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence I reported this as not my account and ask them to send me verification and they did not provide the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My Experiance with Amerisave, I was told on many occasions that I was approved and we were waiting on the Appraisal, When the appraisal came and a week went by, I was told I would need to tear down my 2 car garage. Once that was resolved and they ok the separate 2 car garage, they started to request my updated paycheck stubs which I provided, The email came out on the afternoon of Friday XX/XX/XXXX and I submitted them on that Friday. On Saturday afternoon they wanted XX/XX/2019 last paycheck statement. None of these items changed anything with my financial information and they already had several years tax returns and previous pay check statements. I submitted the XX/XX/2019 last payment stub within hours of receiving the email. On Monday at XXXX XXXX I received an email stating incompleteness or we are unable to approve you for a loan program. I had in several conversations with the loan officer indicated that I felt they were looking for a reasons to denied me, including requiring me to tear down my garage. There was never any inspection done to my home, but there was an appraiser that came out. I still have not received a copy of the appraisal which I was told can be downloaded thru my porthole with them. Also now I am being told I can get a PDF copy of my Denial on line and when I go there all it says that the file was closed. No copy of any thing, I have not heard from my loan office after several attempts to reach him, it now goes staight into voice mail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX Subject : Request for Removal of Collection Account Dear Sir/Madam, I am writing to dispute the accuracy of a collection entry on my credit report. The information in question is related to an account held by XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ). I kindly request that this collection account be removed from my credit report as I believe it is inaccurate and unjustified. 

Account Details : Account # : [ XXXX ] Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$3800.00} No. of Months ( terms ) : - High Credit : {$3800.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : - Reasons for Dispute : Lack of Validation : I have not received any validation or proof of this debt from XXXX XXXX XXXX XXXX or the original creditor, XXXX. As per the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), I have the right to request validation of this debt, and until such validation is provided, the entry should not be reported on my credit report. 

Incomplete Reporting : The collection entry lacks crucial information such as the monthly payment, past due amount, and credit limit. This incomplete reporting does not comply with the Fair Credit Reporting Act ( FCRA ) Section 605 ( a ) and FCRA Section 623 ( a ) ( 7 ). 

Date Last Active Inaccuracy : The " Date Last Active '' is reported as XX/XX/XXXX, which is the same as the " Date Opened. '' This is not an accurate representation of the account 's activity and may be in violation of FCRA Section 623 ( a ) ( 1 ) ( D ). 

I am kindly requesting a thorough investigation into this matter, and I urge you to remove this collection entry from my credit report promptly. I expect that the credit bureau will comply with the FCRA and FCBA ( Fair Credit Billing Act ) regulations in handling this dispute. 

Please provide me with written confirmation of the investigation 's progress and the removal of the collection account from my credit report. Additionally, please send an updated copy of my credit report once the resolution has been made. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution

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 2023-02-18
Company: Block, Inc.
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Cash app took the money had in my debit account and they took money from my savings account. I contacted customer service after not having my money so I contacted then they said it wss for a transaction. they won't yell me specific transaction I am only guessing. Then I see a transaction that I did not make so I disputed it. Then I asked if I could know who or where the purchase wss made from such as an ip address or something no. I told cash app to look at my account in both the merchant and bank no I told them stealing my money is not ok. That they can't just take my money especially from my savings. They are responsible for letting my account be used/breached by someone and thru flat out TOOK my money without even letting me know. They won't answer any is my questions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Experian Information Solutions 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:
The following companies checked my credit on those dates and I do not recognize them or can acknowledge. 

On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX XXXX   On XX/XX/2018 XXXX XXXX XXXX  On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXXXXXX XXXX On XX/XX/2018 XXXX XXXXXXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXXXXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX   On XX/XX/2018 XXXX On XX/XX/2018 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 2023-07-27
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a few letters in the mail about applying for a few credit cards which I never applied for. Luckily I was rejected for most. 
Then I ran a credit report and noticed a phone number, address, and credit line with " FEB/GFSCS-RETAIL ''. I immediately issued a fraud alert and reported these to the credit reporting company and they removed all except the credit line. I then called the credit line company ( FEB/GFSCS-RETAIL ) and they said they were already in the process of closing it. It was closed in early XXXX with an outstanding balance of {$3500.00}. I then called the credit report company and they issued a fraud dispute on the account and told me to file a report with the ftc. I couldn't find the right section to report so I am reporting here. The account was opened XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I bought a home XXXX of 2018. One year later he passed and I have been struggling ever since to pay the mortgage, since my only income is from social security. I have tried several times to refinance but have been told I don't have enough income because of a car payment. I have since gotten rid of my car and decided to try again. On XX/XX/XXXX I spoke to XXXX at Rocket Mtg. He told me I could qualify for a refinance with no closing costs. My problem is my current mortgage payoff is {$110000.00} at $ XXXX/month with a rate of 4.625 %. The mortgage Rocket gave me came to $ XXXX.at $ XXXXmonth with a rate of 2.99 %. To me, that is an {$8000.00} finance charge, for what? I don't think it's worth doing to save $ XXXXmonth and I certainly wasn't informed that there were fees of {$8000.00} that would make my new mortgage payoff be so much higher then originally. I feel as though I am being taken advantage of, since no one explained the whole process to me while I went through the application on line while speaking to an agent on the phone. I feel like everything was done very quickly and I didn't have a chance to ask any questions. Someone told me that if I cancel the mortgage, I have not sent them any documents so far, only what they obtained from my credit report. I would be responsible to pay costs to them which I really can't afford. Please help, I don't know what I should do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: NC
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:
Hi I filed my first dispute letter in XX/XX/2023 with all XXXX bureaus, CFPB and FCRA 2nd dispute in XXXX with XXXX XXXX XXXXXXXX XXXX my personal information was exposed by the credit bureau in the past a complete violation of my privacy and rights several of the accounts are reporting need to be deleted a few of them are older then XXXX XXXX XXXX need to be deleted also in accordance to the fair credit reporting act I have a right to privacy a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 602 A ( 602 A section 2 ) 15 U.S.C 1681c ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years

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 2022-12-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Company is in violation of multiple consumer laws which I have attached. Information being reported is false and does not belong to me and I do not give written instructions for this information to be furnished.

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 2022-10-03
Company: OneMain Finance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
as of XX/XX/2022 I was no longer able to pay this debt due lost hours at work and I started working with a debt agency and I have not made payment since XXXX and One Main has been informed Im working with debt agency and I removed my payment information and somehow they took an auto payment from my bank XXXX XX/XX/2022. they refuse to work with me and remove the unauthorized payment my loan number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
Transunion shows three hard inquiries that are not mine shown listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted all creditors and credit reporting agencies about this matter and have verified that all inquiries are fraudulent but yet the hard inquiries have not been removed from my credit 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 2023-01-06
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:
XXXX XXXX XXXX I HAVE NO KNOWLEDGE OF THIS ACCOUNT. 

I HAVE DISPUTED THIS ACCOUNT WITH ALL 3 CREDIT AGENCIES they report it as accurate but its not and its ruining my credit score.. 

this date of this account is also wrong in accordance with the Fair Reporting Act XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have a 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 instuctions.

Company response to consumer: Closed with explanation