BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
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 XXXX XXXX Bank, acct XXXX XXXX XXXXXXXX, acct- XXXX XXXX XXXX, acct XXXX XXXX, acct- 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 an 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 2022-03-11
Company: Prime Recovery LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022, I received a call from a company out of New York by the name of XXXX XXXX Yes, I had explained to the representative that I have no loan. I did ask for information about the loan but he refused to provide it. I then asked to get placed on a cease and desist. 
XX/XX/2022, Same company called again I asked why aren't they honoring my C & D. He hung up. 
XX/XX/2022 next day, same company -female called and she hung up real quick as asking about the loan. 
XX/XX/2022, Prime Recovery LLC called about XXXX XXXX Yes, explained to the representative, never took out this loan, never received documentation about this loan. Asked her if the SOL has expired, she couldn't answer. Claims she was closing the file and returning to the client. Requested C & D XX/XX/2022, received a text message from Prime Recovery LLC detailing loan is owed to XXXX XXXX XXXX XXXX, after a C & D has been requested. 
XX/XX/2022, called Prime Recovery LLC was told wait 72 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX The credit bureaus are in violation of the law. I showed them multiple times on how they are violating the Fair Crdit Reporting Act According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't written permission.

According to 15 USC 1681 I have a right to privacy.

According to 15 USC 1681s-2 A person shall not furnish any in formation relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notice, that specific information is inaccurate; and ( ii ) the information is in fact inaccurate. 

They have committed countless violations and has blatantly shown total disregard for the 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
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have these negative items on my report I tried to resolve the issue and its still not fix.None of the companies XXXX XXXX XXXX XXXXXXXX or any of the negative items on my report have a agreement with my signature or valid contract.I didnt give any of these companies to share any information.They dont have a statement saying I paid them anything.

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 2023-07-09
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:
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 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 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 
THESE ACCOUNTS HAVE VIOLATED MY RIGHTS 15 USC 1681 602A STATES I HAVE A RIGHT TO PRIVACY.

15 USC 1681 SECTION 604A SECTION 2. IT ALSO STATES NO CONSUMER REPORTING AGENCY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIME WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 USC 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 explanation
Consumer complaint received 2022-08-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was with XXXX XXXX ( XXXX ). XXXX sold my loan to Carrington Mortgage Services. The transfer of this loan was not done properly. I was notified that my loan was sold and that was it. I did not receive any other information about my new mortgage or from my new mortgage provider until they sent me a Monthly Mortgage Statement. Then I receive notification that I did not have enough flood insurance which then I was forced to purchased gap insurance. When asked why my flood coverage was acceptable by XXXX. I did not get a response, I was just told I need to increase my flood. So I contact my insurance agent to purchase additional insurance to meet the new lenders requirements. I sent them the endorsement that I had purchased the additional insurance. I received and email that they accepted my documents. So I thought the matter was solved. Then today I receive a new mortgage statement the the GAP flood coverage on my invoice. I do not believe that XXXX or Carrington Mortgage company complied with the requirement of notifying the homeowner. Causing me additional work, worry and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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, 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 Enhanced Recovery I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2022-10-08
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent Aargon agency this document certified mail and Aargon agency did not send the requested documents asked for in the validation request I mailed. Aargon agency sent me a document that was typed out on a plain piece of paper with Aargon agency logo on the top. I'm 200 % positive there is no agreement with my signature stating that I owe Aargon agency Anyone create anything from a plain piece of paper. The response Aargon agency sent to CFPB is bogus! I know my rights as a consumer! Aargon agency is a third party company who is to abide by the FDCPA laws. The validation request I sent goes as follows : I hereby dispute your claim and request validation of the alleged debt pursuant to the Fair Credit Debt Collection Practices Act. Please provide competent documentation as follows : Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Document evidencing your company has the right to collect the alleged debt. The total debt balance with an explanation of all interest and fees. Date the debt became delinquent and/or the date of the last payment. The name and address of the creditor and the creditors account number associated with the debt. The name and last known address of the debtor as it appeared in the creditors records before the assignment of the debt to your company. The names and addresses of all persons or entities other than your company to which the debt was assigned. Send me proof that you are licensed to collect debt in my state. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Lastly, I hereby request no telephone contact be made by your offices to my home, cellular phone, workplace phone, telephone numbers of my family and friends. All future communications MUST BE DONE IN WRITING as telephone calls are inconvenient. FURTHERMORE, THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS! Remove this immediately from all three credit reporting agencies for Aargon agency has violated FDCPA laws!

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 2018-07-31
Company: RFNA, LP
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is my 2nd loan with Republic Finance. The 1st was paid off early. I have paid on this loan about 18 months now. This payment was due XX/XX/XXXX but I didn't pay it on time. However, it was paid before the next one was due. In XX/XX/2018, after several days of calls. I asked for a deferment to get back on track but was told they don't do those but could renew the loan. I told them I don't want to renew the loan. I was advised that is the only assistance available to me. After several days of calls. I told them to stop calling me. I didn't get any more calls until XX/XX/XXXX or XXXX timeframe. I told the same person as before I had told them not to call me. She then said they have to have it in writing. I told her that is not true. She said that is their policy. To have it in writing. I told her fine so when I went in to make the next payment on XX/XX/XXXX I asked for a sticky note and put it in writing. I also put that none of my contacts or my job was to be contacted. She had to check with XXXX to make sure it was acceptable. XXXX told her to put it in my file. However, today I was checking my credit report and saw that they did a hard inquiry on XX/XX/2018. My loan was not 30 days late and to this date has never been 30 days late. There was no reason to pull my credit. I want to know how a company can just pull the consumer 's credit report for no good reason and decrease their credit score. I can to some degree understand the need to renew the loan. That's how they make their money but if someone is truly needing assistance to maintain or increase their credit score, it makes no sense to intentionally harm them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On the XXXX XXXX I sent XXXX sterling to XXXX XXXX via a Citibank account XXXX XXXX XXXXXXXX XXXX XXXX  ). I had been provided the wrong account details ( US $ ) so the transfer was rejected. Since then, I have waited over six weeks for the funds to be returned to my account. 

Citibank have said the funds were returned on the XXXX XXXX, but have not provided confirmation the transaction occurred despite being asked to do so several times. My bank, XXXX have confirmed the funds have not been returned. 

All parties involved are blaming each other and I am left without my money. I feel extremely let down, stressed and XXXX about the situation and each additional call to XXXX XXXX and XXXX provides no further information as to when I will receive the money. ( I can not contact Citibank, the main culprits, directly as I am not their client ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, 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 called the bureaus on XX/XX/XXXX and could not get them to resolve these unauthorized inquiries as I do not recognize them. Please have the bureaus show me the proof such as signed documentations of my approval. Below are the unauthorized in questions. 

XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/2020 XXXX/XXXX  Sales Financing Company Inquiry date : XX/XX/2020 XXXX/XXXX  Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX  XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: PA
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 DPT EDXXXX 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 an 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 2023-03-14
Company: Convergent Resources, 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 Account # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2020-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Thanks to the great work of the CFPB, I had a two-year long dispute with Capital One resolved within a month of the CFPB getting involved. Case id : XXXX The investigation was resolved, Capital One 's fraud team found there had in fact been fraudulent activity on my account which resulted in two delinquent/late payment charges being added to my credit report. 

Capital One reimbursed the money and awarded the dispute in my favor ( letters and account proof attached ) however, the two late payment charges remain on all 3 bureau credit reports. 

I contacted Capitol One and was passed from team to team, with none being able to confirm that they had updated my standing and removed the late payment red flags from my credit reports. 

I'm currently refinancing and this bad reporting is seriously affecting my ability to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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, 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 ACCEPTANCE NOW I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2020-06-16
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Received a letter from TD Bank , N.A . managing my XXXX XXXX account about the privacy policy. I wanted to restrict information which bank shares about me, called provided number ( XXXX ) - nobody picks up without providing an option for a call back number or information about wait time. Called a general number for TD Bank ( XXXX ), left a call back number nobody called back. TD Bank NA does not give me an opportunity to restrict my information sharing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
For an event on XXXX XXXX, I created a button on my website ( XXXX ) to sell tickets using XXXX as a service provider. I set up the payments to be processed through XXXX ( XXXX ). Somehow, during the course of this process, I was directed to also create an account with XXXX, and money was then exchanged using EITHER XXXX of XXXX ... I do not know how the customer ( if the customer ) could choose the process by which to pay, it seemed to be 6 in one, half dozen in the other. 

EXCEPT : all payments that went through XXXX ended up in my account on time, as expected. NOT A SINGLE PAYMENT processed through XXXX made it into my account. I have exchanged emails with XXXX enough to get tracer numbers for the funds. I have spoken with Chase for hours and hours and hours, often repeating myself ad nauseum for the sake of getting a complaint lodged. Chase has been extremely unhelpful, dismissing claims arbitrarily, and essentially telling me that I am XXXX ( not kidding! ). 

XXXX is adamant that the money left them en route to Chase, Chase says there is no record of the payment in their system. WHERE IS MY MONEY? This is getting to be extremely stressful, and much of the remaining money is owed to employees and vendors. I have documentation of the payments, as well as a claim open with Chase, and with XXXX. I am very confused as to how to proceed, as Chase has  been stonewalling me from the outset. 

Thanks for you help. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove these charge-off accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  XXXX Balance : {$490.00} ; XXXX XXXX XXXX : {$490.00}

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