BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Portfolio Receovery to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. Per 15 USC 6803 ; XXXX XXXX did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking XXXX XXXX to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase Bank has not been included in this scam inquiry into Credit Card transfer payment reversal charge backs. ( {$7000.00} over a week later, and after 2 banks ' customer service reps gave verbal phone assurance, allegedly recorded, that the transfers were verified solid and ready to spend. ) How do I apply for remedy relief from the credit card companies? Chase has updated my online account dashboard without giving accurate reflection of the 8 to 10 days with which it delayed before coloring the transaction status and says there is nothing to dispute. XXXX XXXX won't let me report problems online for payments like it does for disputed charges and says the payment was never authorized, as notated at reversal.

Ref : Case numbers- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 demand all accounts below to be deleted, pursuant to 12 CFR 1090.104 ( ii ) and 15 USC 1681a ( d ) ( 2 ) ( i ), the term consumer reporting and consumer report does not include the activities of a person to the extent that a person collects, analyzes, maintains, or provides information that relates solely to the person 's transactions or experiences with consumers. I do not give my permissible purpose or written instructions for you to report my experiences and transactions with the following financial institutions listed below. Immediately purge and delete the accounts.

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 2022-04-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2020-07-23
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
One Main Financial. I had been current with direct debit for all of my payments until my company stopped paying me. The last paycheck I received was XX/XX/2020. I have tried to get payment to them from my savings. I am now 2 months late and the still want at least interest payment which is 70 percent of XXXX USD. I don't have it it and I am trying to get money from any source I can but as the Pandemic runs there is little I can do. They call me 15 times a day. They call from different numbers all the times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: Presto Auto Loans, Inc.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We have been working with Presto Auto Loans of XXXX arizona. We had taken out a loan XX/XX/XXXX for {$5000.00} and now as of XX/XX/XXXX we have still not come to any conclusions or resolutions. Presto Auto Loans has since reported our vehicle as repossessed to the credit companies and we do not know where the vehicle is! They have not cooperated at all with our complaints and desire for an inquiry, we have made countless calls that have fallen on deaf ears. Countless emails have been written to the supposed " vice president '' XXXX XXXX but his replies are of a snarky rhetoric that demands we go to the police as it it now a " police matter '' we also have been told that the car has been reported " stolen ''. Nothing has been done on Presto 's part to help us with the investigation and have been extremely uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Discover has insufficiently addressed my dispute XXXX. The order in question clearly indicates that the item was returned successfully and refund should be fully issued ( XXXX ). In this order, I was charged successfully for two monthly payments- one payment of XXXX XXXX XXXX and one payments of {$63.00} on XX/XX/XXXX. However, I have only received a refund of {$95.00} from the merchant. Upon careful examination of my transaction history with Discover, it is unmistakable that there is an outstanding credit amount of {$63.00} yet to be processed ( XXXX XXXX ). 

It is essential to emphasize that the {$180.00} displayed on the merchant 's order page solely represents the remaining payment balance and not the amount I have already paid ( Remaining Balance ). 

Moreover, my interaction with XXXX customer service on XX/XX/XXXX corroborated that a pending refund of {$63.00} remains unprocessed in the merchant 's account ( XXXX XXXX ), but somehow merchant indicated they have resolved it with my card issuer, which is Discover Bank XXXX XXXX Response ). 
It is disconcerting that your team has managed to exacerbate the situation for your customer. This demonstrates a concerning lack of competence and empathy when addressing customer issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Southwest Credit Systems, L.P.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The below debt is not verified and I was never notified of the debt and it has a past due balance. 

Account info Account name SOUTHWEST CREDIT SYSTEMS Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$560.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$560.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$280.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By t

he way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 15 U.S.C 1681 section 602 A. States, I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXXXXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Employer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collecons : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX Experian Name : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Employers XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2015-11-07
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have a charge on my account for {$640.00} that I did not make. I have tried to contact Rushcard for a week now with no help. I am put on hold for hours and i went online and filled out a dispute form and faxed it in. I have yet to receive a call, email or acknowledgement that they have received my complaint. I have also had double charges on my account and then the charges go away but my money is never returned to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: Affiliate Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This company has repeatedly sent me via mail debt collection that does not belong to me. It has other people 's names on the document with the same last name as me. I do not know these people, I am not related to these people and I have not had any XXXX XXXX. I have already ask them to stop this false information, and to stop contacting me. The continue to harass me via mail. If someone could contact them and please let them know this is not me and to stop harassing me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: PA
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:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account Name XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 2022-04-07
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
This is about a XXXX report, regarding a US Bank account from 4.5 years ago, i instigated a dispute on a transaction - a pizza that never arrived, with my bank. It was about a XXXX $ overdraft and I consisted the issue resolved once it was removed. A few weeks later, the dispute was declined, despite the fact I never actually got my food. 

They continued to overdraft me and stack fees on me, despite the fact I did not receive what I paid for. Id like this removed from my XXXX. I dont even need my money back, I just dont want this false mark of who I am - account abuse, on my report. I did not commit account abuse. I talked to the agent and outlined my issues - food not delivered Hopefully this doesnt come off rude, I love US Bank , I just dont understand why Im being held accountable for this? I was told my debit card comes with protections against purchases that I never recieved the product.

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 2021-06-22
Company: EQUIFAX, INC.
State: CO
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

CAPITAL ONE BANK USA XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Flagstar Bank, N.A.
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX, 2019 the house went into foreclosure due to financial issues. My ex-husband had taken out the mortgage, while we were married, in his name only. I filed with the court and mortgage company to get the loan put into my name. A modification was put into motion. After completing the 3 month trial, it was finalized - however, the amount was for close to {$8000.00} more than was owed originally. I was told that there would be NO additional fees to the modification. Upon seeing the final modification papers, I was under the impression that once the first permanent payment was made the loan would go back to the original $ XXXX. I even noted this in correspondence with the mortgage company in an email that included their attorneys and the magistrate overseeing the case. Since then the amount has not been fixed. In XXXX, 2019, I had a phone conference with XXXX XXXX and XXXX XXXX, of Flagstar Bank. It was explained that I would be given a trial modification for XXXX, XXXX and XXXX and provided I met the requirements, the loan would be modified in XXXX permanently. I was told that any late fees, penalties, etc my ex-husband owed would not be put on the loan or be my responsibility. XXXX, XXXX and XXXX, I made payments. When I got the modification in XXXX it was for {$99000.00} - it was my understanding that it would return to the {$91000.00} balance once XXXX XXXX payment was received. I have tried to contact Mr. XXXX several times with no luck. Attached you will find the transactions on the loan, modification, emails and confirmations of messages to and from all parties involved. Last attempt was XX/XX/XXXX -I have received NO response. 

My original complaint : XXXX was dismissed for the very issues I am complaining about. Your response was : The company needs authorization from you to proceed with your complaint. 

We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. 

BUT they have had this authorization since last Summer and I have re-sent it several times. I am not only resending the original documents but also the signed authorization they keep claiming they need. 

Also the trial agreement, which clearly states ( Section 4 ) that additional charges can not and will not be added to the mortgage.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-05-07
Company: Nelnet, Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon reviewing the information provided to me, I have identified several discrepancies and concerns regarding the debt in question. It is imperative that these concerns are addressed and clarified to ensure a fair and accurate assessment of my financial obligations.Firstly, I request that you provide me with detailed documentation verifying thedebtor'slegitimacy, including the original creditor 's name, the account number, and a complete payment history. This information is essential for me to evaluate the accuracy and validity of the debt in question.Additionally, I exercise my right to request a complete accounting of the alleged amount owed, including any interest, fees, or other charges that have been added to the debt. It is crucial that I am provided with a comprehensive breakdown of all charges associated with the debt, allowing me to evaluate their accuracy and legitimacy.Furthermore, I would like to bring to your attention that I dispute any responsibility for this debt based on the following grounds : Lack of Validity : I have no recollection or knowledge of entering into any contractual agreement with the original creditor for the alleged debt. Therefore, I request that you provide documented proof of the contract 's existence and my consent to it. Based on my understanding of the applicable state laws, the statute of limitations for pursuing legal action on this type of debt may have expired. I request that you verify the statute of limitations and provide evidence that this debt is not time-barred making this false

Company response to consumer: Closed with explanation